davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 resulted from an ALLEGED identity theft, not later than 4 business days after the date of receipt ; by such agency of XXXX. It has been 30 days and they are in violation of this law because I am a victim of identity theft. Please see that these items are DELETED immediately .These accounts should not be furnished on my consumer report as they are in violation under 15 u. .s. code1681b permissible purposes of consumer reports [ a ] IN GENERAL to subsection [ c ] any consumer reporting agency may furnish a consumer report under following circumstances and NO other ; [ 2 ] in accordance with the WRITTEN INSTRUCTIONS the consumer to whom relates. I never gave ANY consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am DEMANDING the deletion of the accounts listed. 
All XXXX XXXX accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts XXXX IN collections its XXXX items XXXX XXXX XXXX, XXXX, and XXXX. Thank You In Advance.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX, I noticed significant drops in my credit score ( XXXX XXXX, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX to Capital One without my explicit consent. The account transfer resulted in autopay settings being reset, and two subscription charges ( XXXX and XXXX ) went unpaid. I contacted Capital One on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to Capital One 's credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. Capital One responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge Capital One to review all reported payment delinquencies during the transfer of accounts from XXXXXXXX XXXX to Capital One. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX closed my insurance policy without reason. They agreed it as their mistake but would not reinstate the auto insurance. They assured me that I did not owe anything and would not be reported to the credit bureau. I disputed this charge with Experian that did nothing.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ND)

Hired from a fraudulent company to work as an office assistant remotely from my home. They used XXXX to send money and deposited the money into my USAA ACCOUNT once it went through my bank and was cleared I sent back The extra amount that wasnt used the sent money became unavailable due to unavailable money from the company accounts and I was charged and told to repay all even after working with and reporting the company to the fraud department.
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (NC)

I paid my mortgage payment to 21st mortgage on XX/XX/XXXX. i have the confirmation number also. with XXXX XXXX  XXXX XXXX nc. so i call monday to tell them on the XXXX, XXXX mortgage, that the bank closed my account on the XXXX and that the payment might get kicked back. so XXXX said he would give me a courtesy call on the XXXX of this week. so he called me around XXXX XXXX  est. he asked what was going on with the payment and that it got kicked back. i tried to explain to him what happened, that the bank closed the account and processed another payment ahead of theirs that was paid around the XXXX. he kept getting nasty with me and then he put his supervisor on the phone. she was literally hounding me about the payment. and saying she finds it strange that the bank closed out my account for no reason. i told her im a XXXX vet and i dont need this. and she was rude and nasty to me too. i dont need this. im a veteran and i fought for this country. i called and found out from the bank that XXXX waited until the XXXX to pull the payment after the other payment processed and put my account in the negative and got my account closed. i told XXXX im going to report them. he was like who are you going to report us to XXXX XXXX. who are you going to report us to. ok, i got you. i will report you to the news media and the va for this
Consumer complaint received 2024-04-23
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never I have attached a copy of my complaint on the following ( XX/XX/2017 and XX/XX/2017 ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Consumer complaint received 2024-04-23
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)

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, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
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. (WA)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (OR)

Began with XXXX XXXX. Went to hospital to talk with someone. XXXX XXXX put a hold on me because I did not want to sign their paper work accepting treatment before discussing cost. Just wanted to talk with someone. They sent me to XXXX hospital in a security car. All over rated, threatening if i walked away they would call security or police. Entire time they still were not transparent over cost, What my insurance covered and didnt cover. No one talked to me about what things would cost. They forced me to another hospital at XXXX XXXX on a five day hold. My last day at XXXX XXXX i had to pull someone aside and ask. Then they broke cost down. And it was insane. {$12000.00} for five days of a hold plus an extra 2 days because they were not business days. I DID NOT AGREE TO. I DID NOT AGREE TO BEING CHARGED LIKE THIS AS MY FINANCIAL SITUATION IS ALREADY STRESSED. After insurance and applying for financial help the bill was still at {$3900.00} roughly. Then once out, XXXX XXXX began harassing me about the bill. They took no responsibility for the lack of doing their job and explaining to me the cost. Their staff said nothing to me. Then they sent me to a debt collector called Frost Arnett CO. They sent me a debt collection letter. I responded and put it in the mail. They then called me the same day it arrived in the mail. This is borderline harassment. Ive responded that the debt is not mine it is that of XXXX XXXX or whomever placed the hold and whomever didnt explain to me the cost to me in the letter they sent me. They are lying to me. They were NEVER transparent about the cost and are now bullying me to pay. XXXX XXXX has been rude did not want to talk about it or their lack of transparency, then immediately threatened to send me to collections ( in a bullying manner ). Three different hospitals are involved-the county was involved. And i can have a letter written up about it all by the county investigator who said I was fine. I refused medications they kept trying to give me. Literally the most unprofessional medical experience Ive ever experienced and had to go through. They make matter worse and bully. I just wanted to talk to a medical professional at my original destination at XXXX XXXX XXXX. They refused me what I asked for. Stirred me around and slapped a bill to me with no explanation and no help to what they promised.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX  XXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was 800+ " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX XXXXXXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX XXXX 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HAWAIIAN, INC. (OR)

First Hawaiian Bank ( FHB ) purchased an insurance policy for my mortgage prior to the current policy lapsing. I have documentation that FHB purchased an insurance policy on XX/XX/XXXX even though policy didn't expire until XX/XX/XXXX. My account was then charged on XXXX for {$37.00}. I spoke with FHB representative XXXX XXXX on XX/XX/XXXX and she said it was an error on FHB end and that I would be credited back he {$37.00} within a couple wks. It has now been over a month and I haven't received a refund and when I reached to XXXX last week ( XX/XX/XXXX ) she never responded.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

Not only is the information being reported to the consumer reporting agencies inaccurate but also I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 6802. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Consumer complaint received 2024-04-23
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. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-23
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. (NJ)

in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (PA)

AFFIRM INC., is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AFFIRM INC. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( AFFIRM INC. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. AFFIRM INC., can not collect on discharged debts. These are now considered certificates of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these accounts as debts is inaccurate. AFFIRM INC. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In AFFIRM INC 'S terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of AFFIRM INC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-23
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)

in accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (OR)

My previous complaint XXXX was closed immediately after the company responded. I appreciate the resource provided by CFPB, and I would like a second review of these facts as I believe the statements made to CFPB were false, and because they addressed just one of three alleged FDCPA violations in my complaint. 

XX/XX/XXXX  : I notified collector Williams & Fudge not to contact me at work. XX/XX/XXXX  : Followed up with a written request to cease contact at my workplace. XX/XX/XXXX  : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. In addition to these calls, I requested debt verification on XX/XX/, but received it on XX/XX/, violating the 30-day time limit in FDCPA 809 ( b ). Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge. 

-- -- -- Williams & Fudge did not address my allegation that they exceeded the maximum amount of time allowed to respond with verification of the debt. Williams & Fudge did not respond to my allegation that they failed to make required statements under FDCPA section 809 ( a ). 

Williams & Fudge claims that I did not tell them not to contact me at work and claims to have reviewed call logs in preparing their response to this claim. I have requested, on multiple occasions, not to be contacted during work hours. Additionally, Williams & Fudge claims that I only requested not to be contacted on my work phone. This is patently false. Not only was this communicated by phone, but the exact language of my emails is clear. 

" We spoke by phone on XX/XX/XXXX, and confirmed that this email is the best way to reach me. '' " In addition, my employer prevents me from answering calls during work. '' " Beyond verifying employment, my employer privacy policy prevents them from sharing information without my consent. I understand you have already verified my employment. Do not continue to contact my employer as that is the extent of information they can provide. Do not contact me at work. '' Williams & Fudge falsely asserts the claim that I only told them not to contact my employer and never asked not to be contacted during my working hours. 
Williams & Fudge claims to have conducted an internal review following receipt of my email complaint. They stated that call recordings and email communications were reviewed and did not locate any notification not to contact me during work hours. The supporting document of my original complaint demonstrates that I had made clear requests not to be contacted during work and raises doubt about the review conducted by Williams & Fudge.