davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I had someone who filed bankruptcy on my behalf and they were fined because this was never supposed to happen. When I reached out to the bankruptcy court they showed that the two filings she did on my behalf were rejected due to insufficient documents. So nothing was ever processed fully and I never went through the bankruptcy proceeding. 

When I reached out to XXXX, and let them know the information was incorrect and they should remove it from my credit report. They stated they received the information from PACER which I never gave them permission to share any of my personal information. I do not know this company and they shouldn't have my personal information nor should they be giving my information out, or reporting this to my credit report. 

It is their duty to ensure they are reporting my information correctly, and if they are releasing my information to another company they need my written consent which they never received. 

It is showing I filed Bankruptcy twice in a 4 month span which wouldn't make any sense and when I reach out they only forward me that information has been confirmed with PACER which I never gave any information to.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (CA)

IN REVIEW OF MY CREDIT REPORT I FOUND THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORTS, I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT OR SHARE MY INFORMATION THIS IS FRAUDULENT AND FALSE INFORMATION ON MY RECORD WHICH IS HARMING MY CREDIT DATA SHARED WITH BUREUS. 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/2021, I received a payment of {$80.00} through PayPal. After their fees the payment is {$77.00}. This amount has been pending since XX/XX/XXXX. The entry shows the " Money Received '' by PayPal but they refuse to release the payment into my account. When I contacted them all they would tell me is that I have to contact the PAYER and ask him why PayPal will not release the funds. This is totally illogical and meantime PayPal is keeping the money. Here is the transaction detail : XXXX XXXX + {$77.00} PENDING XX/XX/2021 Money Received
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I sent a dispute about my XXXX account status that shows multiple late payments. XXXX XXXX  doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AK)

Received an email today that they did not send the repayment email timely, so they are waiving any payment from XX/XX/2023 to XX/XX/2023. However, I already paid my XX/XX/2023 payment because they did sent it to my credit company to affect my XXXXredit score. In checking my credit score, my updated loan balance isn't showing the amount that was previously forgiven, still showing that I owe {$41.00}, XXXX.
Consumer complaint received 2024-01-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TN)

I filed a claim with my XXXX card, for the transactions I did not make, which took most of my money, and I have yet gotten anything XXXX, I sit on hold for hours waiting to talk to someone, I had many transactions from the same place on my card which I looked up online n it goes straight to the XXXX company out of California, I have done everything required n yet I have not received my money, the names from the transactions are from a XXXX, and XXXX, with the same address in California, different amounts in a pattern of XXXX, XXXX XXXX, XXXX XXXX, XXXX through out a whole month and half that i which they took my money, I don't know i what other information to give the social security direct express card. I have changed cards changed, emails, changed passwords, and I have yet gotten my money XXXX. There was about XXXX in purchases that I did not do. For the months of XXXX AND half of XXXX 2023 I would like my money back
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Been calling dealerships as well creditors since XX/XX/2023. Regarding these inquiries that I didnt authorize. Their explanations were, the dealerships sent the information to them, and all they did was review the information sent to them. They arent authorized to give out any further details, which is XXXX because its affecting my credit. Told me to file a police report, for identity theft, in which Ive tried numerous times at the County sheriffs department, in which they were giving me a runaround as well, like pure laziness because they didnt want to do the paperwork.Since XX/XX/2023, Ive put my Credit Accounts on freeze, after reviewing all XXXX of my reports.. Something has to give, because I didnt authorize any of these and shouldnt be penalized for things I didnt authorize.Ive resided in XXXX Texas for over XXXX XXXX and have never in my life experienced so much XXXX in my life.. Pure Laziness and unwillingness to help.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX XXXX XXXX, which falls undeXXXX XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed a XXXX XXXX XXXX on my consumer report with TransUnion. I asked them to send me a proper validation proving this debt indeed does belong to me which they did not provide but deem this account verified. TransUnion is being very unethical and handling business unprofessional. TransUnion did not provide the information requested which is violating the 15 USC 1681e statue. This has proven TransUnion has done an improper investigation.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I called these companies to resolve the matter even disputed the claims, but was still left to face discriminatory actions do to misuse of information, I even opted out of my personal info being reported and still have face negligence.
Consumer complaint received 2024-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got an 18 month deferment of my mortgage during covid 19 pandemic, which should have extended my loan payoff period by 18 months. However, the company has made an error in placing or categorizing the deferred payments in a way that would still allow me to pay off my entire balance following the 18-month loan term extension. In another word, after the 18-month extension at the end of my loan payments, I will still be left with a remaining balance of {$81000.00} in unpaid interest payments. Trying to pay off the {$81000.00} will take me BEYOND the extended 18-month period of the original loan terms. Deferment by 18 months, should extend my original loan terms by only 18 months, with no other balances remaining, which is not happening in my situation. I tried to alert the company regarding this error in XXXX and XXXX ( while making multiple attempts to complain about this error and their lack of understanding about it here at CFPB ) but it fell on deaf ears. But within a few months of my last complaint, they sent me a letter ( attached ) confirming their error, but their solution to fix the error does not completely fix the error based on my calculations of the current amortization schedule. 

In my opinion, they originally made the error by placing only the interest portion of the paused mortgage payments ( and not the principal portion ) in a deferred category. This way the principal portion stayed in the unpaid principal category and continued to accrue redundant or double interest for the remainder term of the loan. If both the interest and principal portions of the payments were placed in the deferred category, the math would work correctly : 18 months deferment adds up to 18 months of extended payments at the end of the loan term. But this is not happening now as I will still be owing {$81000.00} after the 18 month extension of the original loan terms. They made an error and that is why they admitted to it in the letter dated XX/XX/XXXX ( attached ) and tried to fix the error by reducing my interest rate to 0 % on XXXX/XXXX and until XXXX/XXXX. But this solution is not going to fix the error completely, if I am going to still have a balance of the deferred amount remaining after the 18-month loan term extension. 

I need the company to review the math very carefully since they have made an error before and recalculate the correct date that the interest rate should go to 0 % ( probably much earlier than XXXX/XXXX ) so that when my loan term ends in XXXX/XXXX, I have paid ALL principal AND interest as per the original loan term and the additional 18-month extension due to deferment. In other words, they need to CONFIRM that the {$81000.00} will also be paid off by the end of the 18-month extension ( XXXX/XXXX/XXXX ) of the original loan term ( XXXX/XXXX/XXXX ).
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We purchased a home in XXXX, XXXX with XXXX XXXX. Home hazard insurance was paid 1 year in advance with a monthly impound account for future annual premiums. XXXX XXXX  sold our loan to Select Portfolio Servicing ( SPS ) in or about XXXX XX/XX/XXXX. In XXXX we received a letter from SPS stating " we do not have evidence of insurance covering your home '' and that SPS would purchase " forced '' insurance if we did not show proof on insurance. I uploaded a copy of our policy to SPS in XX/XX/XXXX. 

In late XXXX, XXXX I received another letter from SPS title XXXX & XXXX Notice stating " your insurance is expired and we do not have evidence you have obtained new insurance. '' Again I uploaded the atttached to the SPS portal priving evidence of insurance. 
On XX/XX/XXXX I called SPS and was told that " SPS will not accept my insurer carrrier. '' This verbal message is something completely different from any letters they've sent me. 
On XX/XX/XXXX they purchase " forced '' insurance on the home at a cost of {$3500.00} which is going to taken from impound/escrow account. 

SPS has not provided a reasonal explanation in writing and is not justified in taking unauthorized premium from my escrow account.
Consumer complaint received 2024-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my transunion credit report and noticed some incorrect information on my credit report. There are a total of XXXX inquiries thats being reported on my credit file that I found to be incorrect. I believe someone used my personal information to apply for credit. 

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 2023-03-31
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone used my information to apply for different credit accounts. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Theses 6 inquiries appeared on my credit report XX/XX/2024.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone used my information to apply for different credit accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Theses 6 inquiries appeared on my credit report XX/XX/2024.
Consumer complaint received 2024-05-07
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. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WA)

I have around XXXX in student loans. XXXX was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to Mohela in XX/XX/XXXX. For XXXX  months now, XXXX has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by XXXX, and also the total amount of my student loans reported by Mohela. I filed a dispute with XXXX in XXXX, XXXX about the XXXX reporting of the loans. XXXX closed the dispute after contacting XXXX, but no changes were made, and XXXX still reports me as having more than XXXX in student loans. I contacted XXXX, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to Mohela to resolve the doubled reporting of the student loans on my credit report. I reached out to Mohela in XXXX, who told me that they would update my credit report. As of today, my credit report shows that Mohela updated XXXX with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both Mohela and XXXX on my credit report, totaling just over XXXX. 


At this point, I do not know if Mohela or XXXX is the entity that needs to update their reporting.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I made a payment on my Capital One Quicksilver credit card to pay the balance down before the due date. On the due date, the auto pay feature pulled the entire statement balance of {$2900.00} from my personal checking accout, even though I only owed a few XXXX XXXX  on the card at that point. This has resulted in a - {$2500.00} balance on the credit card and the loss of {$2900.00} from my checking account, money I was planning to use elsewhere. Customer support was absolutely intractible about helping me recover the over-payment. They offered to send me a check as my only means of reimbursment. I am in XXXX, so a reimbursment check option is entirely not possible. 

NOTE ; DO NOT SEND A CHECK TO ME IN XXXX OR THE BILLING ADDRESS UNDER ANY CIRCUMSTANCES! 

The customer service representative indicated to me that there would be no follow-up with me and no further action taken. No fear of reprisal there.

My only recourse now, is to spend money on the card until I recover all my stolen funds.

How is it legal for a credit card company to deduct funds from my personal checking account that I do not owe on their card? I've never experienced an auto-pay feature that can take money from the consumer that they don't owe! I would like to know if this is legal. It should not be.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.