davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (LA)

I received an alert from XXXX and XXXX about a new collection on my credit report from Consumer Adjustment Company for the amount of {$4200.00} on XX/XX/2023. 

This is a collection for a debt that I do not have nor does it appear on any of my credit reports. I have no idea who Consumer Adjustment Company is or what they are claiming I owe money for. I have not been contacted by them or anyone claiming I owe over {$4000.00}. All my debts are paid and up to date and my credit report confirms this. That was until this company posted a collection on my credit reports and dropped my score by XXXX points overnight. 

I haven't received any phone calls, which I do not want to receive, nor am I giving anyone permission to call me. 

I haven't received anything in writing, which is the only way someone should contact me. What is this debt and where is the proof of it or the attempt to collect it before putting it on my credit report? It doesn't exist, and this company has the wrong person. 

I haven't received notification of this debt, a notification of a right to dispute this debt, or proof of this debt. 

I want this slander removed from credit report immediately.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this joint dispute and demand for investigation regarding the unlawful actions of credit reporting agencies XXXX and Transunion. 
For over at least 1 month, I have disputed fraudulent and unverified accounts reported through both bureaus. Despite legitimate requests for documentation and verification under the FCRA, neither agency upheld their legal obligation to properly handle multiple disputes. 
XXXX and Transunion merely stated the debts were 'verified ' yet failed to ever provide a single original document providing these accounts belong to me or that I owe the reported balances. 
Their dereliction of duty has caused immense harm, lost opportunities, debts and damages that I am still negatively affected by as the consumer and natural person identified. I am requesting the CFPB open an immediate joint investigation into XXXX and Transunion for their blatant and ongoing disregard of my consumer rights. 
I am also formally requesting all appropriate legal damages be assessed and awarded from both bureaus based on extensive harm done throughout years of unlawful reporting activities. Timely remedy and justice are needed to undo the damage caused and ensure accurate credit files moving forward pursuant to applicable consumer protection laws.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer report.
Consumer complaint received 2023-12-18
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. (NC)

I called all three companies, XXXX, transunion, XXXX and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report.

The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.
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. (PA)

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

Furnisher Account Number XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Credit Report!

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In re : Tu XXXX XXXX reports showing adverse activity with XXXX XXXX, a private student loan lender. 

2 accounts : 1. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, XXXX XXXX has augmented the payment history to re-age the accounts.
Consumer complaint received 2023-12-18
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hi, Hope all is well with you and your family. 

We filled out a Request for Mortgage Assistance ( RMA ) with Select Portfolio Servicing ( SPS ) back in XX/XX/year> as our mortgage rate is 8.95 % and experiencing financial hardship. We submitted all required documents to complete the application. Underwriting keeps on rejecting countless documents asking for clarification and additional information, all of which we complied with. Submitted new documents that they required hoping it will get approved. Nevertheless, underwriting continuously reject the new documents. Each time, they will find an error on the documents. They dragged this process out for months. Each repeatedly asking for information that they already had. SPS ask that we submit new documentation as it out of date and needs to be within 90 days. Twenty calls with their customer service team never resolved the situation. We only missed ONE payment. On XX/XX/year>, demand notice was received that if we don't pay the due amount by XX/XX/year> they our property will go to foreclosure. 

It is clear that they have a policy to do everything possible to reject any RMA requests. They never intend to grant anybody mortgage assistance, which should be fraud, potentially class action fraud. 

Thank you for reading this.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint again to address suspicious information on my credit report. The XXXX credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
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 2024-05-16
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. (VA)

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I currently have a PayPal rewards Mastercard issued through Synchrony Bank and have over XXXX redeemable cash points but both companies/business 's will not find a solution on how to distribute to me. I've been going back and forth for over a month getting bounced around to different representatives with the same result and both companies take no responsibility and blame the other company. I've attempted to speak with supervisors and they've opened tickets to resolve but the ticket gets closed with no resolution. The points are set to expire XX/XX/2023 and I don't want to lose the cash value due to the large amount of points.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-16
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. (FL)

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer 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 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 2023-12-18
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. (TX)

Transunion Consumer Solutions, has violated, my consumer rights by reporting a fraudulent account ( XXXX XXXX XXXXXXXX XXXX ) under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the account reporting are not authorized by me. TransUnion Consumer Solutions agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. At this time the account with XXXX XXXX XXXXXXXX XXXX  continues to reflect on my credit file. I will be sending a notice of intent to sue regarding this account.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XX/XX/23 I opened a savings account online with Chime Bank. It was my intention to transfer funds from my XXXX Bank checking account into The Chime account, since Chime paid a much higher interest rate on savings than XXXX. On XX/XX/23 I received a congratulatory email from Chime informing me that my account had successfully been opened and I was invited to link my new Chime account with my XXXX account in order to make online transfers. I subsequently did exactly that and transferred an amount of {$100.00} from XXXX account, to Chime, in order to complete the account verification process. My XXXX account reflected that the transfer had successfully taken place on XX/XX/23. On XX/XX/23 I was informed by Chime that my account had been closed, and for security reasons, they were unable to provide more information regarding the closure. I then sent an email to Chime demanding the {$100.00} transfer which had occurred prior to the closing of my Chime account be returned to my XXXX account, considering my Chime account had been closed due to no actions of my own. Chime demanded I forward to them photocopies of both sides of my drivers license, a photo of my US Passport, as well as copies of any type of correspondence sent to me from XXXX bank with my name and address clearly visible on the document. On XX/XX/23, all of the foregoing documentation was sent to Chime Bank, however, as of the date of this correspondence, they are refusing to credit the {$100.00} to my XXXX checking account. I am requesting the assistance of CFPB to assist me in compelling Chime Bank to release the {$100.00} they are retaining from my closed account, and please inform me of what actions can be taken to sanction Chime Bank for their highly fraudulent and unethical business practices.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

My Barclays AA Mastercard information was stolen while at the XXXX XXXX traveling from XXXX back to Texas and was used by some criminal without my Card! my info was used later at several vendors in another state, ( Massachusetts ) & at airports and restaurants, and for merchandise purchases. 
I have been disputing these charges with Barclays for 2 months now, I was told it was taken care of only to find the charges remaining on my monthly bill and being charged interest for them! Barclays case # XXXX The irony is XXXX smaller fraud amounts were also reported and they immediately removed those! XXXX XXXX XXXX XXXX XXXX {$14.00} & {$9.00}! I have been told I am not responsible for these charges in writing yet the amounts remain on my statement and are reflected in my balance. 
I pay my total bill every month and never carry a balance so I keep seeing a balance! 
these XXXX fraud charges within the same state and location are still on my account! 
I have called on five occasions, and told the pending case is ongoing and then told it was removed & not taken care of. I have closed and reopened new cards and they keep forwarding the frauds! 
I have documentation of the date and person I spoke to at Barclays. I have now emailed several times as well. 
The remaining fraud charges : XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> {$110.00} XXXX XXXX XXXX. XX/XX/year> {$17.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/year>. {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. {$17.00} How do they charge without physical my card?
Consumer complaint received 2024-06-27
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. (CA)

I am writing once again to inform you that I have been a victim of identity theft. It appears that my previous requests to dispute unauthorized items on my credit report have been disregarded. This inaction is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Sunday, XX/XX/year> about XXXX I was attempting to make a {$4000.00} cash deposit into my business checking account at the Huntington Bank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I followed the instructions the ATM gave me as usual as I have done this many times before. I put the XXXX {$100.00} bills into the ATM deposit compartment. The hatch closed after as it usually does. This time it gave a message on the screen which SHOCKED me : " YOUR TIME TO MAKE A DEPOSIT HAS EXPIRED. IF THERE WAS ANY MONEY IN THE COMPARTMENT, IT WILL BE PULLED IN. CALL YOUR BANK ''. 
That is what I believe the message said. It was brief. The screen then quickly went to the home screen. There was no counting sound happening that usually occurs when the machine is taking money in, or when it is dispensing it out. There was no receipt issued, there was no credit for the {$4000.00} applied to my account at the time, or since that time. This happened approximately XXXX cdt Sunday, XX/XX/year>.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$580.00}