davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Kingston Data & Credit International Inc. (FL)

I was reviewing my credit reports and noticed a collections account being pursued by Kingston Data and Credit International Inc. I disputed this clam and received no response to my dispute but it is still showing as a collection on my credit reports. Also, In regards to this claim, I have received no competent evidence that proves I owe any debt to Kingston Data and Credit International Inc. I will pay in full if there has been any signed original contract/agreement between myself and Kingston Data and Credit International Inc that provided me consideration for their claim to be enforceable. Also, under Florida State law this constitutes fraud, which is a felony. My rights to privacy have been been breached ( pursuant to 15 USC 1692 ), causing me harm, abuse and mental anguish. I gave Kingston Data and Credit International Inc no authorization to furnish anything on my credit profile. They are conducting identity theft which is also a felony of the third degree under Florida Law. Kingston Data and Credit International Inc needs to provide me with their bond, proof of insurance and what authority they have to legally collect. I will also be charging Kingston Data and Credit International Inc {$10000.00} ( XXXX XXXX XXXX  ) for my time, inconvenience, the breach of my privacy and attempting to steal my identity. I demand my information/account be deleted from their files/records and removed from my credit reports immediately. I will not hesitate to exercise my rights if my demands are not met immediately.
Consumer complaint received 2018-12-27
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: Onity Group Inc. (FL)

I was provided an explanation of a variety of issues related to my mortgage servicer, Ocwen dated XX/XX/XXXX ( attached as exhibit A ). Page 3 of 4 reads in pertinent part : " ... we ( ocwen ) have updated our records to reflect the correct status for the account from XX/XX/XXXX through current. This correction was submitted to the credit bureaus on XX/XX/XXXX via an Automated Universal Data form ( AUD ), control number XXXX. '' ( emphasis added ). 

However, my current credit report reflects that as a result of Ocwen 's reporting, it has decreased my credit report 60 basis points ( attached as exhibit B ). 

As an aside, I did not make my XX/XX/XXXX and XX/XX/XXXX payments timely. Nonetheless, what has been reported is not correct.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been trying to have XXXX XXXX XXXX  update and correct report and DELETE late payments.I even submitted a complaint through cfpb my contract with XXXX lenders began XXXX XXXX but I have false payments and transactions reporting on my credit reports dating back from XXXX XXXX. Pursuant to FCRA F section 1681s-2 ( a ) you must delete any incorrect information being reported on my report. I have included a photo of my contract with XXXX XXXX XXXX as evidence of this inaccurate report.
Consumer complaint received 2023-08-31
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. (DC)

On XX/XX/XXXX I disputed an account via notarized Affidavit stating the multiple inaccuracies. The account was not FCRA COMPLIANT nor in compliance with the METRO 2 guidelines. I pointed out the incorrect and untrue reporting with no rebuttal beyond the 30 days allotted. No rebuttal to an affidavit stands as true in the eyes of the law. Ive notice this account fluctuates in dates which manipulates the statute of limitations also. I feel I am a victim of identity theft and I request a block of this account. According to federal law I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted according to federal law 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me revenant to the request to block the identified transactions. The identified transactions are not info related to any transactions by me as the consumer.

You are required to do what I am asking and block these transactions from being reported to my consumer report and file within 4 days from the date of the receipt of this notice. I look forward to your response.

6802 gramm-leach Bliley act grants me the right to privacy and confidentiality.

I Never opted in and gave permission to use my private information and The four identifiers that are required to block the following information is included. 

Please remove/delete/block the following accounts ; XXXX Pref Lease
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have several inquiries on all XXXX credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and TransUnion, XXXX and XXXX refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!
Consumer complaint received 2023-09-03
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. (DE)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Consumer complaint received 2024-04-20
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 reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consuming Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-04-20
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)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-09-23
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. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX =================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-22
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)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

US DEPT OF EDUCATION XXXX Balance : {$4400.00} US DEPT OF EDUCATION XXXX Balance : {$9600.00}
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I was approved for a trial modification. I understood I could not be late or the modification would be cancelled. I have two bank accounts listed on my Ocwen account. Im in the middle of my modification and I send a payment and I accidently select the wrong bank account on XX/XX/2018. I tried to fix before it became delinquent. Owcen only listened to one phone call and not the initial call. I had to hire an attorney to resolve my issue or file bankruptcy, which is not fair. I CAN afford my home and I had the money on point and they still declined and would not reinstate my modification when I called the day of and called repeatedly until the payment was applied and attempted to make the next payment. THEY LEAD ME WRONG!!!!!!! 

I contacted my investor XXXX ( XXXX XXXX XXXX, option XXXX, ext XXXX ) and spoke to him on XX/XX/2018. He stated Ocwen wants me to upload the mod package so it can be sent to XXXX for review. I did so however Ocwen has not sent the package to XXXX and the declined the mod again. I will continue to hire legal assistance until I am satisfied. I need help!!!!! Please
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-25
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. (FL)

Hello, my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title 15 of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The CCPA further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the CCPA, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under Section 605B of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA.

Moreover, the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ), both of which are contained in Title 15 of the United States Code, provide additional protections to consumers. The EFTA requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the TILA requires lenders to provide accurate and clear information about the costs and terms of credit.

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the EFTA and TILA. Failure to do so may result in further legal action and complaints to the CFPB.

Thank you for your attention to this matter.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (TX)

When I got a loan from them, I asked for 90 days of interest-free. I told them okay and provided my bank account. The company didn't take money from the account ; let it pass 90 days and start to charge by month {$220.00} twice a month. Eleven months ' payment of {$4900.00} has been paid, still a balance of {$2000.00}. Now they are telling me I have to sign the lease original amount is only {$2300.00}. I don't know why they charge me this much money
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all three of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal sent me the following message regarding a check that was issued to me and presented via my mobile app for payment : We're delaying {$2300.00} of your total deposit of {$2500.00} into your account ending in XXXX, received on XX/XX/2023. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. 

We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. 
If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX The problem with this is that, no such information exists and this his a outright lie that they have told me. The check literally has a phone number to verify its authenticity to which I called and got a tracking number for the Check. 

Why are they allowed to say inaccurate things without merit and withhold payment yet collect interest at the same time? While the customer is being lead to believe they have real information that is preventing them from cashing the check? 

I have a 5 day hold on my check for no valid reason based on a lie being told by security which doesnt have anyway to be reached or communicated to in anyway and no recourse to dispute or have such information challenged and or corrected or removed.
Consumer complaint received 2023-09-23
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consume rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make a 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 my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-12-22
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. (MO)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint against Experian, XXXX, and XXXX credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the Experian website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to me.
Consumer complaint received 2023-11-08
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. (PA)

I XXXX XXXX XXXX have some unauthorized inquiries appearing on my credit report. 


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