davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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 (OH)

I have contacted the company XXXX times requesting that they send me somehow a statement of the taxes and interest payment on my mortgage from XXXX. The first two attempts to get this information occurred before XX/XX/XXXX. I dont have the dates when I called them because I just simply trusted that they would follow through on my request. at some points, I spent XXXX hours on the phone with their representatives, trying to work through the system to get a simple statement that I never received. I explain to them that I have difficulty that there are problems with and that there are constant issues with mail delivery in the city where I live. I receive mail that is supposed to be delivered to other parts of town on a regular basis. I am assuming if they sent the statement to me that it was delivered to some other address that never sent it on to me. There has never been a problem with this account because I have adequate funds to pay my mortgage and payments are deducted directly from my checking account. I just want the statement that never reached me. I also explain to them that I can not file my XXXX taxes without this information. Thank you.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MD)

Amex Bank makes it very easy to open an account, but apparently very difficult to take money out of an account. I have been trying to link my primary checking account at another bank to my XXXX at Amex Bank for over XXXX weeks. I want the flexibility to take money out of the account when needed. There is an opportunity to link an account online, but it doesn't work. I was told that there is a glitch in their software that they are working on, and that I would have to submit a form to link the Amex account to a checking account I have at the other bank. They told me that would take XXXX business days to process. I submitted that form over XXXX weeks ago, and still my Amex XXXX is not linked to my checking account at my primary bank. I talked to a representative over phone, and she told me that they were not allowing linked accounts at the moment. I told her that was unacceptable, and contrary to the website statements, and that I wanted to talk with a supervisor. She took my phone number and said a supervisor would call me within XXXX days. That was XXXX days ago. This is really terrible, that I basically don't have access to my XXXX at Amex Bank.
Consumer complaint received 2023-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (TX)

In XX/XX/2023, I located a man off of XXXX interested in purchasing some mattresses. I met with the man in XXXX Tx at his place of business to look at the mattresses. We went forward with the sale and he took my social security number, bank information, employer, and driver license information to get me approved for the loan, Once I was approved I put down {$50.00} to start the initial payment plan. The guy told me that he would deliver the mattresses to my home but it would be an additional {$75.00}. I paid him the {$75.00} delivery fee gave him my address and expected to see him later on that evening after he left XXXX XXXX with his family. The guy never showed up to my home with the mattresses. I would call the number listed on the paperwork, but I got no answer from him. AMERICAN FIRST FINANCE ( loan company ) started taking biweekly payments from my bank account of {$210.00} totaling {$250.00} a month. I tried to explain to the company on several occasions that I dont have their merchandise so I should not be charged. They only told me to keep reaching out to the guy that sold me the mattress and it was nothing they could do. AMERICAN FIRST FINANCE took money from my bank account from XXXX - XXXX. I am requesting for my money back for product not received as well as removing the fraudulent account from my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (VA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC. (CA)

On XXXX23 I made an online request for XXXX {$2000.00} contribution to my XXXX at Pacific Premier. Pacific made XXXX debits each for {$2000.00} and gave me credit for XXXX. 

Since then they have played a shell game. 

on XXXX23 XXXX Bank debited a XXXX  {$2000.00} which it dispersed to Pacific Premier on XXXX-23. 

On XXXX23 Pacific Premier credited my checking account {$2000.00} which they took from my retirement account NOT whatever account the missing {$2000.00} went to on XXXX23 Then when the XXXX 23 credit shows up they point there and call me whole. 

2 months and 3 days later I want Pacific Premier XXXX to surrender the second {$2000.00} they took on XXXX23 and NEVER credited me ANYWHERE. 

Thank you. I hope someone can help me pull the wool back from this ridiculous shell game.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

I have a credit card with discover card which was expired on XX/XX/. This card was on my XXXX account ( this was the only recurring charge on my credit card ). After the expiration of the card I decided to not use my discover credit card again and I did not pay attention to the statements of the credit card but unfortunately XXXX did charge my card long after my card was expired. Now the problems are having a late payment on my credit history which I never had and also lowering my sister 's credit score who is about to apply for a house loan, because she was an authorized user on that card, there is also another problem which is the amount that I was charged and and the late fees I was charged which I think it's not fair. Thanks!
Consumer complaint received 2023-06-12
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: FIRSTBANK PUERTO RICO (PR)

The XXXX XXXX XXXX Credit Card First Bank XXXXXXXX XXXX mentions, WAS NOT A CHARGED OFF, COLLECTION, OR PROFIT LOSS : WAS PAID AS AGREED DIRECTLY TO XXXX, NOW PART OF FIRST BANK XXXX XXXX : THE XXXX PROCEDURE THEY MENTIONED IS AGAINST THE FAIR CREDIT REPORTING ACT ; XXXX EVEN TRIED TO PRESENT THE CREDIT CARD AS A BUSINESS ACCOUNT SO THE FAIR DEBT COLLECTION PRACTICES ACT WOULD NOT APPLY BUT IT WAS NOT A BUSINESS ACCOUNT ; XXXX PROHIBITED ME TO CONTINUE TO PAY MY FULLY UPDATED XXXX LOAN UPDATED XX/XX/XXXX RETURNING MY LAST PAYMENT OF XX/XX/XXXX BY CLOSING THE LOAN AND REPORTING IT PROFIT LOSS CHARGED OFF, SO FIRST BANK COULD KEEP CHARGING 34.95 % INTEREST LENDING THE SAME MONEY AT THEIR SUBSIDIARY CALLED XXXX XXXX, THEY ON PURPOSE CREATE FALSE PROFIT LOSSES AND FALSE COLLECTIONS WHEN THE TRUTH IS THE ACCOUNT STAYED AT THE ORIGINAL BANK AND WAS PAID DIRECTLY TO THEM WITHOUT ANY COLLECTION AGENCY INTERVENTION NO MATTER THEY TRIED TO INVOLVE A COLLECTION AGENCY WHEN THERE WAS NO NEED, EVEN TO THE SAME ACCOUNT ORIGINAL NUMBERS ACCOUNTS WERE PAID, UNLIKE WHEN PAYING AT COLLECTION AGENCIES. 
THIS IS CLEARLY A PATTERN OF WILLFUL CREDIT REPORTING ACT VIOLATIONS. 
THIS COMPLAINT IS TO ASK THE CFPB : WHY ARE YOU NOT DOING ANYTHING? 
WHAT THE CFPB IS THERE FOR? 
IS NOT TO CLOSE COMPLAINTS AND DO NOTHING WHEN BANKS DO SOMETHING LIKE THIS CLEARLY AGAINST THE LAW AND AFFECTING PROBABLY MILLIONS OF PEOPLE THAT ARE NOT FILING COMPLAINTS BECAUSE THE SAME COURT SYSTEM IS INFLUENCED BY BANK LAWYERS WHICH ARE RECEIVED BY JUDGES THE SAME DAY YOU ARE APPOINTED BUT YOU ARE NOT ALLOWED TO ENTER? 
SEE SUPREME COURT PETITION INCLUDED UNDER QUESTIONS FOR SUPREME COURT ; XXXX XXXX XXXX AND XXXX XXXX XXXX JUDICIAL MISCONDUCT, WHICH WAS ALLOWED? 
JUST TO REQUEST A FEEDBACK DOES NOT SHOW THE CFPB IS DOING THEIR JOB, MUCH LESS THE CFPB JOB IS TO REQUEST FEEDBACK WHILE ALL THIS KEEPS HAPPENING AND NOBODY DOES ANYTHING TO NEVER TO HEAR FROM THE CFPB AGAIN? 
WHAT IS GOING ON?
Consumer complaint received 2024-09-19
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. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : US BKPT CT XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : U.S. Bankruptcy Court # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-19
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2024-07-08
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. (CA)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00}
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$830.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-22
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. (NJ)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX ACCT - # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

No nation was taken by capital one because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Consumer complaint received 2023-08-26
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)

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 2023-12-19
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. (FL)

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws.

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

15 U. S. C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.
Consumer complaint received 2023-12-19
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Consumer complaint received 2024-09-22
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion,. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate XXXX Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed XXXX Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. XXXX of XXXX : There is a lack of clarity on the timeline of the investigation, including XXXX dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-10-22
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. (UT)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>