davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (NJ)

Dear Transunion, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! ***IN ADDITION, I DO NOT CONSENT TO YOUR E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions by definition so this a clear violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. You have violated my privacy and you didnt exercise your Grave responsibly prior to adding these items to my Credit Report. YOU MUST RESPECT MY RIGHT TO PRIVACY or you will be liable for Financial Damages this have cause me. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!!!
Consumer complaint received 2024-09-15
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. (TX)

Subject : Complaint Regarding Non-Response to Credit Disputes Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my credit disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have submitted multiple disputes regarding inaccurate information on my credit report, but I have not received any response or resolution within the required timeframe. The details of my disputes are as follows : XXXX XXXX XXXX : XXXX-Verify the accuracy of this dispute or delete this immediately. 
XXXX XXXX XXXXThis account was never late. This account is paid as Agreed. Remove late payment immediately. 
XXXX XXXX XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXXerify the accuracy of this dispute or delete this immediately. 
XXXX  XXXX Verify the accuracy of this dispute or delete this immediately. 

Despite my efforts to resolve these issues directly with the credit bureaus, I have not received any acknowledgment or corrective action. This lack of response is causing significant harm to my creditworthiness and financial well-being.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus comply with their legal obligations under the FCRA. Please provide me with updates on the status of my complaint and any actions taken.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-06-05
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. (CA)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Credit bureaus must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (LA)

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Consumer complaint received 2024-09-15
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 have disputed the following accounts 3 times with not response from the bureaus. Please assist in the investigation. 

XXXX XXXX XXXXXXXX : Validation has not been provided for this collection. Equifax reports it as 120 days late with 4 late payments. XXXX reports the collection as open. Please delete immediately. 

XXXX XXXX XXXX  XXXX : No validation has been provided for thhis account. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX : I have not recieved a dunning letter from this company. I have not been provided validation when requested. Validate this account or delete immediately. 

XXXX - XXXX : No late payments are reported for Equifax and XXXX. XXXX reports undocumented late payments. XXXX ha a XXXX high balance. Equifax has a XXXX limit. There are different dates of last activity and last payment. Please delete immediately.
Consumer complaint received 2024-05-29
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$2500.00} Worst Payment Status No Info Account Details Account status Derogatory Type Charge account Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Opened XXXX XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %
Consumer complaint received 2019-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MT)

Every month when I try to use the online payment system to pay my bill it never works. I have to change my password everytime. Once my password is changed it doesn't work. As a result of this I don't get my payment in on time and I am subject to fees. The company is located in a different time zone. So if I need to call them to speak with someone they are closed. I find it very odd that the online payment system is so much of an issue. I also wonder how many other people this is happening to and the fees that the company is getting as a result of this.
Consumer complaint received 2024-05-29
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)

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX : {$5200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}.
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I have an AmEx gift card that says it's for {$500.00}. I couldn't recall if I'd used any of it so I tried checking the balance on AmExGiftCard.com/Balance but received an error so I called their customer service number. The agent I spoke to said the card had been taken by the state as unclaimed property and to reach out to the state 's unclaimed property department. I searched on Washington State 's unclaimed property website and there isn't anything in my name ( not sure the card would be in my name though ). Some XXXX told me this is a common issue and to file a complaint here.
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (GA)

I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, XXXX, and Equifax. I have also called the companies in which the inquiries were made and they were unwilling to help.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

BANK OF AMERICA ( BofA ) HAS DONE ME DIRECT HARM REPORTING ME TO XXXX FOR FRAUD!!! 
WHEN IN FACT I AM/WAS NEWLY XXXX DUE TO COMPLICATIONS OF LONG-TERM XXXX XXXX ( XXXX XXXX! WHEN I FELL VICTIM TO A XXXX SCHEME. 
I IMMEDIATELY FILED A POLICE REPORT ( OFFICER CAME TO MY HOME! ) - & WENT TO LOCAL BofA BRANCH & SPOKE W/BANK MANAGER. SHOWED HER POLICE DOCUMENT- AS WELL AS SLL INFORMATION I HAD RE : BANK IN XXXX- ETC. 
BRANCH MANAGER IMMEDIATELY OPENED!! A NEW!! ACCOUNT!! CLOSED THE OLD ACCOUNT- STATED IT WOULD BE TURNED OVER TO FRAUD FOR INVESTIGATION- & CHARGED OFF.

NEVER RECEIVED ANOTHER COMMUNICATION- BY PHONE- IN WRITING- OR OTHERWISE OF ANY DEBT OWED FOR THE FRAUD OR INVESTIGATION OF BANK IN FLORIDA WHERE FUNDS OBVIOUSLY WENT!?!?!? REALLY!?!?

INSTEAD BofA SNEAKILY ( HAD NO IDEA W/GOOD CREDIT SCORE!! ) REPORTED ME TO CHECKSYSTEMS- WHILE KEEPING ME AS A CUSTOMER THEMSELVES- MAKING OFFERS- ETC.- AS COMMITTING FRAUD!?!?! VICTIMIZING ME AGAIN & AGAIN BY FIRST REPORTING ME AS A CRIMINAL- & FRAUDSTER IN XXXX. THEN REPORTING ME AGAIN IN XXXX??? WITH A CLOSURE STATUS DATE : XXXX!!! 
AFTER BofA OUT OF THE BLUE- & WITH NO OPPORTUNITY TO RESOLVE ANY OUTSTANDING BALANCE THAT EXISTED?!?- HAS BEEN EFFECTIVELY BLOCKING ME ALREADY FOR SIX ( 6 ) YEARS- THEN USING THE CLOSURE STATUS DATE TO BLOCK ME FROM HAVING A CHECKING ACCOUNT ANY OTHER PLACE BUT BofA!!! FOR HOW MUCH LONGER??? I!! WAS!! THE!! VICTIM!! LOSING MORE THAN {$10000.00} THIS COMPLAINT IS ALSO GOING TO THE FEDERAL RESERVE!! THIS BANK NEEDS YET ANOTHER INVESTIGATION INTO THIS HORRIBLE PRACTICE!! 
HOW MANY OTHER CUSTOMERS ARE BEING NEGATIVELY IMPACTED AT THIS MAGNITUDE!?!?! 
ANOTHER CLASS-ACTION NECESSARY TO STOP THIS ABUSE TO VICTIMS- XXXX  SENIORS!!!!
Consumer complaint received 2024-05-10
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. (NC)

On XXXX XXXX 2024, I mailed XXXX, Equifax, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to XXXX XXXX  within XXXX business days. The XXXX credit bureau did not remove any XXXX XXXX off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, Equifax and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The Equifax data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions.
Consumer complaint received 2024-05-10
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. (GA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, which is what Equifax did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) Under the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

My information was given to you which is a direct violation of my rights under 15 USC 1692 are you familiar with that law? I never signed a contract with you guys therefore you should not have my information. You are also reporting inaccurate information due to i have not signed any contract with you. I would also like to enable a cease and desist so that you do not attempt to contact me again via phone mail or email. Thank you in advance.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I checked by personal account and my husbands joint account that I have with him and both accounts are frozen. 
I was unaware that I had a default judgment and they are freezing my accounts saying that they are attempting to collect a debt that I was not aware of that Is over XXXX. My husband is now behind on car note and our house payment plus return fees due to them freezing account while bills were being drafted out of account. My child also gets social security and this is definitely a hardship on my family with them doing me like this and I was unaware of Everything. It states portfolio recovery bought debt from XXXX XXXXXXXX but I have only been with XXXX XXXXXXXX since late XXXX  so I dont know what theyre garnishing/freezing my funds for. 
When I contacted them ( portfolio recovery ) they basically said itll be frozen until my bank sends them the documents requested but how am I supposed to provide for my kids with accounts frozen.
Consumer complaint received 2024-07-15
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. (GA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
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: Experian Information Solutions Inc. (MI)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-12-09
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. (NC)

XXXX XXXX XXXX " Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of EDXXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX
Consumer complaint received 2024-07-15
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 am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2024-09-15
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. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$670.00} 4. XXXX XXXX XXXX {$890.00} 5. XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXX XXXX$2100.00} 8. XXXX XXXX XXXX XXXX$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-19
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. (CA)

The original reason I fell behind dates back to XXXX in which there were 2 misapplied payments that the servicer refused to correct. After that, the payment increased on top of that creating difficulty to keep up with the payments. I have never received any approval for a loan modification to seek assistance. I have applied for all retention options to retain the home but have been denied. I have demonstrated affordability going forward but still never received any Loan Modifications in the past. We are both XXXX and I am in a XXXX XXXX There was XXXX XXXX, XXXX XXXX XXXX XXXX were unnecessarily XXXX In closing, given my current situation with my hardship and the fact I have never received any assistance to keep my home despite all of my hardships mentioned in this communication, I don't understand why I am not being presented with an opportunity to keep my home when are income supports the ability to afford it.
Consumer complaint received 2017-11-12
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: Experian Information Solutions Inc. (IL)

Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.