davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (NY)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2023-12-11
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 (TX)

Received a {$700.00} American Express Reward Card from employer. Attempted to use online at 3 different merchants. Called Amex multiple times. Each time I'm told card is in a 24 hour waiting period - Or I need to use the card where Amex is accepted. I tried using card with XXXX. XXXX was declined. Amex won't help. Simply says I need to wait 24 hours. Individual stores won't help, say I need to call Amex.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My federal student loans through XXXX were forgiven XX/XX/XXXX  but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.
Consumer complaint received 2018-09-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.
Consumer complaint received 2018-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

I am reaching out for help in resolving a problem that I am having with XXXX, XXXX XXXX XXXX, XXXX ( formerly Pressler and Pressler,  LLP ) located : XXXX XXXX XXXX, XXXX, NJ XXXX and their attempt to collect a debt that I never opened, had or owed to XXXX-XXXX " in the amount of {$5600.00} plus costs, of which {$4000.00} remains due and unpaid '' according to their written correspondence to me. As I have stated, I haver never opened an account with XXXX-XXXX in any amount and do not owe this debt. I have received ( XX/XX/XXXX ) letters from them both by First and certified mail dated XX/XX/XXXX with an attachment of a two page Information Subpoena and Written Questions requesting personal and financial information. Within the body of the letter is a threat that I could be arrested if I do not return the information to them within 14 days and letter also states that it is an attempt to collect a debt. I would appreciate your help in resolving this matter as soon as possible. I believe they are in violation of Consumer Protection Laws and debt collection practices.
Consumer complaint received 2023-07-20
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: LEXISNEXIS (OH)

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.

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 2023-11-18
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)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. I am quite miffed that you have included the following information on my credit report : 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. Please delete these fraudulent account on my credit file immediately.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

On XX/XX/2022 I contacted all three credit bureaus, XXXX XXXX, Equifax and XXXX to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three  credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XX/XX/XXXX to all three  credit bureaus that my information reflect as follows Only one name report to all accounts, which 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 Equifax 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (DE)

To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well XXXX XXXX
Consumer complaint received 2023-12-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lima One Capital, LLC (TX)

Per the contract, the transaction was to close on XX/XX/XXXX. 

XX/XX/XXXX I received an email from the lender stating that the final terms have been finalized. The new terms lowered XXXX than originally quoted which increased my cash to close approximately {$15000.00}. I informed the lender that I will not move forward due to the final terms and requested that my appraisal be transferred to a new lender. The lender denied my request stating that the deal is still viable.
Consumer complaint received 2023-05-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (NC)

On XX/XX/XXXX I refinanced my auto loan through XXXX XXXX XXXX in XXXX, NC. My previous auto loan servicer was XXXX XXXX XXXX. I decided to refinance with a different lender based on my credit ratings and to get a better interest rate. The refinance was done over the phone and via e-mail with the payment being deducted from my account weekly in the amount of {$95.00}. On XX/XX/XXXX my daughter had an accident in my vehicle which resulted in a total loss of the vehicle. I didnt find out until the day of the accident that I didnt have full coverage on my XXXX XXXX XXXX XXXX I was insured by XXXX XXXX with full coverage on my vehicle up until XX/XX/XXXX. The coverage was dropped & changed to just having liability on the vehicle due to my driving history. Not realizing that this had happened since my payments were on auto pay. I decided to refinance my vehicle with XXXX XXXX XXXX 6 months later since they were offering a refinance special for their members. After the accident I contacted XXXX XXXX XXXX and spoke to the loan officer about my options going forward. I called XXXX XXXX and they insured me that there was nothing that could be done on their behalf and to call my lender to see if they had a force placed policy on my vehicle. The loan officer stated that they didnt have any insurance of that type on my vehicle. At this point my only option was to surrender the vehicle because it wasnt drivable. I called and they had a tow truck to come out and pick up the vehicle and I had to stop payments on my account after I no longer had the vehicle. On XX/XX/XXXX I received an email from the loan officer about the final details on the auto loan. It stated that the car sold for {$3700.00} and their XXXX insurance paid {$10000.00} and it left a balance of {$810.00} on the loan and was asked would I like to setup a payment plan to get it paid off and that we could do {$25.00} a week. My ending balance on my auto loan was {$14000.00}. Two weeks after I no longer had possession of the vehicle. In XX/XX/XXXX I received a hit on my credit report for a collection added in the amount of {$11000.00} from a collection agency XXXX XXXX and XXXX. After finding out that it was XXXX XXXX XXXX that sent my account to collections Ive tried contacting them to see why my account was in collections for an amount that was different than what was discussed. From the 1st day that I signed this contract I was in breach and I was never notified about not having the proper insurance and that I had a force placed policy on my auto loan. I feel like Im having to suffer from the lenders carelessness with my auto loan.
Consumer complaint received 2023-05-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against New Rez Shellpoint for attempting to seize my property without validating the alleged debt. Under federal law, no property can be seized, and collection efforts must cease when a debt is disputed, and there is no sufficient validation. 

Despite my repeated attempts to dispute the alleged debt and request validation, New Rez Shellpoint has continued to harass me with aggressive collection efforts. They have threatened to seize my property without providing any evidence of the debt 's validity. 

As you are aware, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide verification of the debt, including the amount owed and the identity of the original creditor. Despite my requests, New Rez Shellpoint has failed to provide any such verification. 

This behavior is not only a violation of federal law but also a clear violation of my rights as a consumer. I urge you to hold New Rez Shellpoint accountable for their actions and ensure that they comply with all applicable laws and regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX I am submitting this complaint on my behalf and I swear that all statements are true to the best of my knowledge
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : 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 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 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
Consumer complaint received 2023-12-11
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. (MA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-01-08
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. (AZ)

This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.
Consumer complaint received 2018-09-03
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: Midwest Recovery Systems (GA)

I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by Midwest Recovery Systems, supposedly collecting debt for XXXX XXXX, XXXX. I Googled both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for XXXX years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

XXXX XXXX via TD Bank does not allow payments other than the minimum amount through their automated payment system. This forces anyone who only pays through this system to pay interest at the end of a promotional 0 % interest rate since charges for device protection are added to the account balance each month. I spoke with a representative who informed me that " the system is set up to only allow the minimum due to be paid automatically. '' I believe this practice is unfair, at best, since many do not have access to free bill pay and predatory at worst - the minimum amount is the amount that would pay off the balance in time when other charges aren't added.
Consumer complaint received 2023-11-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried with Experian on many different occasions to have XXXX XXXX removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

I was charged {$210.00} twice in the same month by Nelnet. They never answer the phone in a timely manner meaning I was hold for 3 plus hours. They are always understaffed and dont answer emails.