davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX dba XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX dba XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX XXXX dba XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX dba XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion is not allowing me to access my credit report. I have tied to access my report online for over 8 months. I have requested a copy and have not received.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX C Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SUPERIOR XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-09-19
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. (CA)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED. WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF MY CHALLENGE LETTERS XX/XX/2023
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
i was hired to do a job by a known client that ended up with me being set up and forced to empty my pockets and open my phone at gun point. The person holding me at gunpoint then forced me to open my bank account and proceeded to XXXX all of the money out of my business account to a random person I do not know. 

The total amount stolen was {$13000.00} from multiple accounts. I have contacted the bank and they have denied my claims stating that this was authorized by me even though I have provided clear as day evidence including police report and multiple news reports.. even the detectives phone number who is on the case.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank advertised a 0 % balance transfer promotion which they did not honor. After opening a complaint to the CFPB ( XXXX ), they promised to honor the promotion and refund the interest charged in the next billing cycle, which, 3 months later they have not. I called them and the associate I spoke to was rude and helpless. This is terrible customer service.

Furthermore, out of desperation ( customer service initially refused to do anything ), I went ahead and repaid one of the balance transfers for {$1500.00} on XX/XX/XXXX therefore I would like the {$45.00} balance transfer fee charged on XX/XX/XXXX for this promotion refunded as well.
Consumer complaint received 2024-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My loan is one month late well now going to two but because holiday they saying I am in default because I didnt make payment on XX/XX/XXXX when they have grace period and plus it was holiday weekend. On XX/XX/24 they send me a notice of intent to foreclose and XXXX is not even done. I get paid biweekly and I have to wait on when my employer pays me in top of that, I already sent out check in the amount of XXXX certified and I told them to put towards month and that I have other checks coming in certified since my electrnico option was taken and they put my payments to be certified until XXXX. I explained what happened to them about me using different account to pay it didnt work and now doing these verified they also reported to my credit bureaus issues when my loan was in forebance etc and now doing this again. Some representatives are kinda nasty even given me issue to provide me their XXXX routing and account number tok me almost 30 minutes just to get that information from the representative I was doing this in my lunch time and have limited time from my employer and waiting the the information. I believe they misusing, inaccurately reporting to credit reportt, etc and collection practices and fees. I have to break my payments up and they starting they are to unappllied fund no put it to the mortgage that your saying needs to fulfilled, I dont understand also as this is my first house and really dont know what or anything I think they just might talking advantage of that as well. It just needs to be checked just something is not right on how they are proceeding with my loan.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Barclays Bank for charging me illegal junk fees on my charged-off account. 

Account Details : Account Number : [ Account Number ] Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$6500.00} Credit Limit : {$3800.00} Written Off Balance : {$5100.00} Total Junk Fees Charged : {$2700.00} Junk Fees : On XX/XX/2023, Barclays Bank charged me a TOTAL OF {$2700.00} IN fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes.

FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. Barclays Bank 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt.

New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. Barclays Bank 's reporting of this junk fee is a violation of these laws and codes.
Consumer complaint received 2024-03-29
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)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX  XXXX  account when the dispute resulted completed on XX/XX/XXXXXXXX  they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXXXXXX  I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXXXXXX  with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXXXXXX  to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXX..XXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX  and TRANSUNION
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

A debt validation letter was sent XXXX XXXX XXXX to validate debt listed on my credit report. The company has failed to validate debt made pursuant of 15.USC.1692.G.Sec.809. ( b ) of the FDCPA. XX/XX/year> pm XXXX XXXX XXXX. A request to validate this debt with Original signed contract, proof of assignment from original creditor or chain of title, right to collect debt in my state, insurance claims filed on debt and payment history.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors, and I kindly request the Consumer Financial Protection Bureau 's intervention to address these violations and ensure my rights as a consumer are upheld. I would like to share my personal experience to emphasize the emotional and financial distress these inaccuracies have caused in my life. 

Below is a detailed account of the violations along with the relevant account numbers and specific FCRA sections that have been violated : XXXX XXXX Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX  - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX XXXX  Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : Address Violation : Inaccurate personal information reported ( FCRA Section 613 ) Personal Experience : I want to emphasize the profound impact these inaccuracies have had on my life. The resulting damage to my credit has led to denied credit applications and higher interest rates, hindering my ability to make essential financial decisions. I vividly remember the recent incident when I applied for a loan to support an important educational opportunity. The inaccuracies on my credit report resulted in a denial of the loan, leaving me devastated and uncertain about my future prospects. The emotional distress and frustration caused by these errors are overwhelming and have strained my overall well-being. 

I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal provisions outlined in the Fair Credit Reporting Act. I urge you to investigate the mentioned violations and work towards the removal of these unverified accounts from my credit report. This action is not only crucial for my financial recovery but also essential for upholding the integrity of consumer protection laws. 

I greatly appreciate your attention to this matter and look forward to your prompt response. My hope is that your intervention will help restore my financial confidence and provide a path towards rectifying these unjust discrepancies. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (MS)

I sent XXXX, Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address
Consumer complaint received 2024-04-01
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX  and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.