davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Original Creditor : COLLECTION The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} The above account was never late, contrary to the information on my credit report. I kindly request TransUnion to correct this inaccurate information on my credit report.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXX XXXX XXXX  XXXX Balance - {$5.00}, this is incorrect. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
why correct the information that I outlined and then not raise my credit score because I purposely targeted. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their livelihoods. 
the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their lively hood. 
Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, XXXX XXXX.
Consumer complaint received 2023-08-16
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. (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 : XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/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 2024-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (SC)

I was seen at XXXX XXXX XXXX XXXX on XXXX for care. I didnt have insurance at the time and was not notified that I could apply for financial assistance for my XXXX  bill. When I did get insurance in XXXX I added it online to see if it would possibly cover the bill. I was never notified that I still owed the bill and/or that my insurance didnt cover it. Its now in collections and when I disputed to let the collection agency know that I had submitted this to my insurance and was never notified of the bill the only thing they sent back was just another copy of the debt bill.
Consumer complaint received 2024-04-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GU)

Bank of America constantly markets their credits cards to me and my husband. We live in the XXXX XXXX XXXX XXXX. I finally decided to apply and was approved for a Bank of America ( BOA ) credit card. After receiving the card, I made XXXX purchases, one of which was to XXXX XXXX that was flagged for a fraud alert. I followed the procedure to call the fraud unit of BOA and answered several questions and the charge was allowed to go through. Three days ago, I tried to make another purchase from XXXX XXXX and it was flagged for a fraud alert. This time, after calling, I was advised that in order to allow me to use the credit card, I would have to physically go into a Bank of America location with two forms of ID. There are NO BOA locations in XXXX which is XXXX XXXX in the middle of the XXXX XXXX XXXX. The closest XXXX state is Hawaii which is over XXXX miles away and only accessible by plane or boat. I am being discriminated against to use this credit card because BOA does not have an alternative way to validate my identity. I have used other credit cards where I can send video and picture of my ID to validate my identity. BOA refuses to accept anything other than physically walking into a branch. I will sue them it they do not resolve this matter.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

On XX/XX/2023, at XXXX ; I called Shellpoint because I was unable to get into my escrow account. I wanted to know/help getting into my account to see where my money was being applied and what payments were coming up next so I would be sure that there was enough money in my escrow account. 

With my previous mortgage lenders I was ALWAYS able to view my escrow account ; however Shellpoint, will not allow me to have access to my account until XXXX. I was told by the representative that it wasn't possible until XXXX, and I would be sent a copy of my escrow account. 

First of all it's my ACCOUNT and my MONEY, I have the RIGHT to know where my money is going. The online account ONLY shows the amount that's currently in my escrow account! I HAVE BEEN DOWN THIS ROAD BEFORE WHEN MY ESCROW ACCOUNT HAD A SHORT FALL. I WANT TO BE ABLE TO SEE/WATCH MY ESCROW ACCOUNT WHENEVER I WANT TO!!
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (NV)

I am submitting this complaint once more as a follow up as let me repeat that the XXXX Credit Bureau still has not removed XXXX remaining inquiries from my credit file, and Equifax has yet to address these XXXX fraudulent inquiries, as they haven't removed any inquiries at all. So, I am humbly following up my request once again to the Consumer Financial Protection Bureau ( CFPB ) to ensure that both XXXX and Equifax Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On this date XX/XX/2023 there has been false permissions on my credit report from creditor name Bank of America. 
Due to 15 U.S. code 1681b - Permissible purposes of consumer reports I demand these inquiries to be removed from my credit report
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

I mailed in several letters requesting verifiable proof of accounts, and to have information deleted from my credit report, the company did not respond. Also that under FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX15 US CODE 1681E ( b ) & 15 US CODE 1681i ( XXXX ) that they are required by law to verify through physical verification of the original signed consumer contract any and all accounts that they post on a credit report, to removal all non-account holdings inquires over XXXX days old, and to add promotional suppression to my credit file.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Acceptance Corp (NC)

The company " XXXX '' had a representative scheduled to come to my then business and demonstrate an " air purifying '' system. The system was purchased and information was established to start making payments. 

The payment began in XX/XX/XXXX, with the XXXX  payment being roughly {$110.00}. Payments were being made and the business was closed however the payment account information was updated to my checking account in XXXX. 

Since XX/XX/XXXX, the company has been withholding money from my account and exceeding the original balance of the account. I have requested that they send an e-copy of the ledger but haven't received it. 

XXXX has closed the account of my credit report, however, today XXXX XXXX, 2024, they have made another attempt to collect a payment which I have placed a stop payment via my bank account. It just seems like they keep attempting to randomly hit my account to exploit money. 

As you can see from the attachment, XXXX XXXX has collected a total of {$2900.00} between XXXX through XXXX. Per my records, this account has been paid and I am owed money, however, the account is misreporting and several attempts are being made to make money and create overdraft fees.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (NC)

I'm not liable for this debt with XXXX XXXX XXXX, and i do not have a sign contract with collection agency trying to collect, reporting on my credit file, they did not provide me with the original contract that was requested showing the bill of sale and payment history,
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (TX)

I purchased a XXXX XXXX XXXX  with my Jared credit card abs return the bracelet within the thirty days. Represenatives from Jared informs me that all charges are returned.. to include a {$300.00} dollar payment i made. After returning the item Comenity Bank charges me for insurance on a bracelet that is returned. They have been adding interest on the charges as well. I repeat i returned the bracelet and recieved a {$300.00} refund. All of this appears to violate Federal Trade Commison Guidelines on purchasing goods abs services in America. To wrongfully charge me for a good or service that is not needed or purchased. I called Comenity bank and canceled the Assurance coverage. I was lied to abs told it will remove the charges and it runs out that was a lie. I'm being told i have a payment due for XX/XX/2023. The attached photo and recorded phone calls have been obtained as of XX/XX/2023.
Consumer complaint received 2024-05-05
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: EQUIFAX, INC. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (CO)

Receiving repeated texts about account I never had and do not owe. The text comes from XXXX and reads as follows : " Please contact MRS.BPO LLC at XXXX regarding a matter for XXXX XXXX. 
MRS is debt collector. If you want to opt out of future text messages reply withSTOP. 
visit us at .XXXXMRS.BPO.COM To see important rights and information click MRSBPO.COM/STATE- DISCLOSURES '' I have replied with STOP multiple times but they keep sending these texts. I have not clicked on the link or gone to the website because I don't want them electronically capturing my information. 
Also I do not have a XXXX account of any kind nor do I owe them any money. I have verified this with XXXX 3 separate times. I am fed up with these fraudulent crooks harrassment!
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

I purchased a vehicle on XXXX XXXX. Im still waiting for a tag. I purchased the car from US Auto Sales and currently still riding around with a dealership tag that expired XX/XX/XXXX. After reading about the lawsuit. I couldnt access my doc files. But lucky me I saved them to my pdf files. After paying {$1000.00} down payment left a balance of XXXX. I had to pay two deferred payments of {$420.00} two weeks apart. I just look at my balance on Westlake Portfolio app and my balance is stating I owe the same balance of {$18000.00}. So basically I started over with the same amount my balance showed on my paperwork from XX/XX/XXXX. When I ask Westlake Portfolio could they register my car so I can receive my tag. They tell me the only thing we can do is provide you with an email to contact someone about registration from your car. The email address I was given was XXXX. Ive sent them over 50 emails. No one has call.text, or email me back. My car still is unregistered.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Maxitransfers LLC (AR)

Im the owner of a supermarket where we have money transfer services we work with several companies and one of them is maxi transfers. On Sunday XX/XX/XXXX we received a call from someone claiming it was from maxi transfer and wanted to do some changes on our system. By whatever reason we believed it and they got in our system and made some transactions one of {$2900.00}, {$2900.00}, {$2800.00} and one last one that was rejected of {$2700.00} because by this time we call them and told them about the situation it sum of a total of {$8600.00} not including the one that got rejected. One of them has a paid date of XXXX XXXX XXXX XXXX. We called the company right away and we want to dispute such transactions because this was not made by any of us at the supermarket it was a scam and theyre saying theres nothing they can do bout it that we have to pay for it because it came from our store. I dont understand why such a big company dealing with big amounts of money didnt catch that? Theyre the ones that need to verify before it gets released. They should be able to detect suspicious activity on accounts and call the store and right away or freeze the account right away until the talk to the people o the store. This doesnt add up. We spoke to several agents one of them was XXXX an agent located in XXXX he stated that he was working from home and he mention that some agents from maxi transfers could be doing fraud too. They just keep on transferring us to different departments and all of them say we are responsible for paying that money but no solution to our problem or do a deep investigation. They said if we dont pay that money theyre taking legal action against the store. This is so weird theyre not doing anything to help us investigate so my thoughts are that theyre the ones doing this to the stores that offer their services. They didnt allows us to cancel service either. Theyre failing to provide proper protection for accounts, theyre failing to report or catch suspicious activity on accounts.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has XXXX my rights XXXX XXXX XXXX  Account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 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 other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate