davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently disputed this debt, and the company responded they will have the CRA 's remove the information from my credit report due to them violating my consumer rights. However, TransUnion is choosing willful non-compliance and not deleting the information from my report. 

Here is the original dispute : I recently went to apply for an office for my XXXX, and was denied due the fact that the owner thought I had accounts that were recently delinquent. I was shocked and hurt by this decision because that wasnt true. I tried to explain to them and showing them proof but they simply said until your credit report is updated we are unable to rent you the location. So I went back and reviewed my credit reports, and found that what she was talking about. I realized that although she was correct, in what she saw, what was being reported was totally inaccurate and a violation of my consumer rights. I also learned that this tactic of posting a newer date is called " re-aging '' of debt, to make the account appear new further damaging the report and ultimately credit opportunities of the consumer. It also extends the time in which the purpoted debt stays on ones report. Here are the laws that uphold my rights in which they are violating : 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 ( a ) -Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 15 U.S. Code 1681c -Requirements relating to information contained in consumer reports ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Here are the debt collection companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit Reporting Companies : XXXX XXXX TRANSUNION The dates are outside of the allowed limits of 180 days after deliquency, from the date of last payment on all of the following accounts. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshots.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (AZ)

On XXXX today cash Sent an email indicating they were going to enforce the wage assignment On XXXX I informed them that I couldn't afford a wage assignment and they provided the option to keep my account with them, I would just need to set up a payment plan. We agreed and confirmed that a payment of {$280.00} would be taken out on my debit card on XXXX. The payment was successful ( included is proof from my bank ). However my employer received a letter from XXXX XXXX ( the collection agency for today cash ) today stating they are wanting my employer to agree to the wage assignment. When I asked today cash about why if we had an agreement was my account still up for wage assignment, they blew me off saying nothing they can do I was never able to sign the new loan documents as instructed in the email, then receive an email from today cash stating I withdrew my application.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XX/XX/2023 I've made numerous changes to my credit report file and sent letters to transunion of it's inaccurate reporting and lack of investigations. Since then I can't access my credit report or unfreeze or freeze my report. I've received a update report from my credit card that an employment was update to my transunion account. I already called in and made a complaint that concrete property management is not my employment this is bs. Transunion flagged my account because I disputed bs that don't belong to me. So I've asked already to have it fixed and was given the run around it would be fixed. It's been 3 months an nothing. It's against the law to flag my information that I'm entitled to dispute when transunion is reporting incorrect information. This needs to be resolved immediately
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery FAILED to mark account in dispute after I submitted my dispute via CFPB # XXXX on XX/XX/2024 and Portfolio Recovery XXXX XXXX via CFPB XXXX XXXX XX/XX/2024 and according to XXXX Credit Report XXXX XXXX XXXX dated XXXX XXXX they were in clear violation of the FDCPA XXXX ( XXXX ) ( XXXX ) as this is more than 30 days as required by LAW and alledged account was not marked in dispute as of XXXX XXXX. 




This is a very serious violation in accordance with the Fair Debt Collection Practices Act XXXX ( XXXX ) ( XXXX ). 

I want Portfolio Recovery # XXXX. 
removed from my credit report ( XXXX ) immediately. 
I am keeping careful records and will seek legal representation if I am forced to.
Consumer complaint received 2024-05-04
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-18
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: Cascade CISS Holdings, LLC (NC)

On XX/XX/2023 ; XX/XX/2023 ; and XX/XX/202XXXX XXXX XXXXXXXXRocket Mortgage pulled my credit files 2 times within a 30 day period without my consent! I have never given this entity consent to pull my credit files. This is unauthorized and needs to be removed. I have been in contact with this entity and a manager there, which advised me that I need to dispute with the credit agencies, which I did but no success because the entity never replied and credit agency told me that they are factual hard pulls? I would like to know how, if I never given consent. This is against the law and my SSN has been used for personal gain illegally and fraudulent. If this is not rectified, my next step is legal counsel. Thanks
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, XXXX, and Experian are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to Experian, XXXX, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Opened a bank account under promotion and did not receive any of the promotion. In fact the bank began charging fee that were not told to me about. 

Account that were signed up are : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (MN)

XXXX  we've tried to cancel the PMI on our mortgage. The XXXX  time we sought to cancel it because of large increases in our home value, primarily due to market valuation changes. They delayed the process as much as possible through slow action and requiring their own appraisal agent ( versus, an agent we already had lined up ). Their delays meant we could not complete the PMI removal before we planned to start some renovations.

More recently, our PMI was scheduled to be eligible to be terminated based on the original appraisal in XXXX. Now they say we need an appraisal to prove the home has not declined in value. Frankly, the odds of any home declining in value given large market valuation increases, is quite low, and certainly not applicable to us. I don't believe this requirement is in good faith. That, nominally, someone can cancel ahead of the automatic cancellation seems to be something they do their best to make impossible or financially impractical. They are asking us to pay {$450.00} to get an appraisal, that ( assuming it *only* takes XXXX months ) would net us {$300.00} in savings. Since I have no confidence they won't throw up more barriers ( or delay things even further ), this is not a bet I'm willing to make. I don't think our circumstance is special at all. I think, rather, that Flagstar 's practices concerning PMI are calculated to maximize their PMI earnings regardless of the actual risk posed of default. That PMI is required under these circumstances, untrustworthy PMI providers who themselves control determination of when PMI is or isn't still required, is the problem.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

I had a account with Wells Fargo in XXXX to XXXX and they closed it after I was a victim of fraud and they acted like it was my fault a hacker hacked my account and then spent XXXX dollars of my money and I tried to get it back and they refused to reimburse me my money after I was supposed to have protection from this stuff
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I reported a fraudulent charge on our daycare center 's business account with the amount of {$2800.00} by XXXX ( XXXX XXXX ) and disputed the charge. On XX/XX/XXXX, XXXX charged us {$2800.00}, claiming it was for 3 years of service, from XX/XX/XXXX to XX/XX/XXXX. We did need XXXX ' software, but the service was not provided to us. I pointed out the fraudulent charge on our bank statement of XX/XX/XXXX to Chase, but Chase refused to help, saying that if the transaction were made by credit card within a year, they would help. However, this was by debit card/checking account, and the time period to dispute was only XXXX months, so they claimed they could not help. 

Another representative said that using a debit card/checking account meant that I authorized the charge. I then asked what the difference would have been by using a credit card, and if credit card usage was not considered the owners authorization? What was the logic here? Chase could not answer my questions. Obviously, it was a fraudulent charge that no reasonable customer would authorize. 

I recall that years ago, when Chase acquired our business accounts, they offered us a debit card which has a XXXX credit card logo on it. Chases representative said that we should use it often and its as convenient as a credit card. Chase has never explained or documented the immense risk of using their debit card with the same XXXX  logo vs that of using their credit card. In this respect, Chase 's marketing strategy for its debit card is misleading. 

Nowadays, due to recent advancements in technology, there have been increasingly more fraud & scam cases that have caused a lot of damage to customers. Shouldn't Chase, a well known bank, do better to protect its customers? We are requesting that Chase refund the fraudulent amount, {$2800.00} due to its negligence in customer protection.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (PR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

These creditors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-04
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-04
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. (FL)

I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/year> and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

I incurred around {$5000.00} in student loans when I attended my freshman fall semester at West Virginia University in XXXX. During that semester, I enlisted in the XXXX and took a leave of absence the following semester ( XXXX XXXX XXXX ) to attend Basic Training and Advanced Individual Training. Prior to my departure, I was advised to speak with the XXXX XXXX XXXX XXXX XXXX office and ask them to pause my enrollment so Nelnet didn't think I was dropping out of school and require me to start paying off my student loans. I was assured that everything was taken care of however, my credit report shows delinquent on all of my loans which have impacted my score quite a bit. I opened a dispute through the XXXX XXXX app twice now and both times, the inquiry disappears after a few weeks with no contact or resolution. I have four student loans and at least one delinquency on each.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After submitting several disputes regarding 2 student loan accounts with XXXX and a credit card account with XXXX Bank, Equifax failed to notify me of investigation results from disputes that were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claimed to have sent the results via US mail ; however instead of sending the results to my current address listed on my credit report, Equifax sent the results to my previous address. Equifax continued to mail correspondence to an address they have listed on my credit report as a previous address, despite having my current address listed correctly. Additionally, despite my attempts to dispute inaccurate information contained on my credit report, Equifax has now placed a " temporary update freeze '' on both of the above mentioned accounts. They claim this action was taken by the creditors themselves, however both creditors state they do not have the ability to place an update freeze on a consumer 's credit file. Lastly, when attempting to access my credit report via the Equifax website, my credit report status now shows as " Blocked for promotional purposes ''. These actions taken by Equifax prohibit me from exercising rights that I am entitled to by law : to dispute inaccurate information on my credit file, to receive the results of such investigation initiated by that dispute with 30 days, and to be provided a copy of my credit report upon my request. I am requesting that Equifax review my concerns as stated above and provide an explanation for each.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I have been trying to refinance a house that requires all my 3 credit scores. All my banks have been unable to pull my Experian Score, but have been able to pull my other 2 reports. Today, I found out that my file did not exist. In my folder is a file that was pulled a few months back that has my Experian score-which also happens to be my best score. It seem like my entire file has disappeared. XXXX has my Experian Score and I have a copy of that report. 

The other problem is that even though I have thawed my scores, it still says my account is frozen or locked. 

The frontline customer service folks refuse to escalate this and they repeat the same line that I have not had credit and I must wait for six months to have my credit reported. I even offered to send them a copy of my credit reports to show that there was some kind of glitch, but they refuse. 

They will not transfer me to anyone or take my issue seriously. ThanksXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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. (NJ)

This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX