davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

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 2023-12-05
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX - XXXX
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX - XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint to bring to your attention certain inaccuracies that I have identified in my personal credit report. These inaccuracies could have a significant impact on my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am well aware of the dispute process and the time constraints that come with an investigation. I have identified the following errors in my credit report : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-07-19
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. (CA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2023-09-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations. 

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness. 

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated. 

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your dedication to consumer protection, and I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-23
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. (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. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-09-26
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: Blackhawk Network Holdings Inc. (MN)

XXXX XXXX XXXX XXXX XXXXXXXX has tried to refund my return and this company says nothing about having to call them for a simple return of items bought with the card. Any other prepaid is not like this hassle sending what the person that helped you looked like there name and hair color. Those may have not been the exact wording but I felt like the police were checking me for credit card fraud. This is a on going problem with this company and XXXX  shows that clearly.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (SC)

Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX ( XXXX ) XXXX Mobile To : Chase Bank XXXX : Reopening Dispute case of XXXX Transaction date : XX/XX/23 Dispute opened : XX/XX/23 To whom it XXXX concern, My account had been charged 3 times without my authorization : {$100.00} posted on XX/XX/23 from XXXX {$100.00} posted on XX/XX/23 from XXXX {$100.00} posted on XX/XX/23 from XXXX I am requesting the amount of {$100.00} which was posted on XX/XX/23 to be returned back to my account. These were unauthorized transactions and frauds. I am requesting you to re-open the dispute case letter on XX/XX/23 and credit the above money back to my account. Chase has not been protecting their customers against fraud and unauthorized transactions.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My XXXX account was transferred to Nationstar Mortgage on XX/XX/XXXX. The first issue I had was trying to get them to report my credit. This took 5 Months. They reported the Balance incorrectly, They reported the High Credit incorrectly, They reported the Term incorrectly, They reported late payment in which I never had Incorrectly. I disputed each and every incorrect report to all XXXX credit bureaus. Which I have internet and Alert with each of these XXXX. XXXX, XXXX and XXXX .. I pay for it every month. Nationstar would only correct XXXX Item when I was disputing XXXX. Then After correcting My Balance and High Credit then the would they would report My original balance and term incorrectly. Then they would would correct My term and my original Balance correctly and then report that I have only been paying for 1 month when I havent missed or been late since XX/XX/XXXX when the loan was modifed. This bank is costing me 1000s of dollars ..on My Insurance, My loans, my car payments etc. Now today I found out they have fixed everything on my credit report and are now reporting it as a closed account.. This is credit sabotage. I called them this morning and they confirmed they have NOT closed my Account and or transfered it. I have my latest Statement for XX/XX/XXXX and it shows my account open and on time ... I even printed out my transaction statement and I have not been late and I am current. This continues sabatage of My credit By this institution should be held accountable and have to pay me for my losses. The FCRA states that incorrectly reporting my credit is a FEDERAL OFFENSE .. I expect them to pay ... Even when they get some things right they turn around and reoprt it wrong the following month
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter and update the information as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$650.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-09-23
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

So, I Recently got an {$50.00} American Express Gift Card as a gift from a friend of mine. I went online and activated it so i could be able to use it online, and in stores. However, XXXX ( XX/XX/2023 ), I tried to buy some digital currency for a game, But it wasn't allowing me to purchase anything. I checked the balance on my card and noticed that every time i tried to purchase something from XXXX, I'd get charged XXXX cents. I previously had {$50.00}, and now i have {$49.00}. I had XXXX cents taken out of my account from failed purchases. I tried to use the card on XXXX instead, but it was still not letting me purchase anything, giving me an error saying that something was wrong with my card. I even tried to go to a store to purchase a snack for myself, but i was never able to. I contacted the number on the back of the account so that i could see if my card was actually activated, and it was. My purchases just weren't going through. I went online and did more research and found out that i wasn't the only one having this issue, and many people haven't found a fix to it yet, so i decided to file a complaint for it.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

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 U.S.C 1681 XXXX XXXXXXXX XXXX  XXXX XXXX Credit report XXXX credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

My SAVE plan monthly amount due is {$500.00}, which is indicated on my MOHELA account page. My first payment after pause was due XXXX, but the amount due was {$580.00}. On XXXX I sent MOHELA a message asking for the payment due to be adjusted to the SAVE amount of {$500.00}, but received no response. I made the full payment of {$580.00} on XXXX to avoid any consequences of a late/missed payment, and on the same day messaged them to ask for a refund of the difference of {$81.00}. I received no response. 

My next payment is due XXXX, and the correct amount of {$500.00} is the amount due.
Consumer complaint received 2023-11-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXXXXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX, has violated my rights.

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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. (TX)

I am looking at my credit report today XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are NOT complete and accurate. they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe with my signature the information is False and inaccurate the date open on my credit account is inaccurate and the payment history. 
And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows le cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

Citizens Financial Group, or Citizens Pay, as it appears in bank statements, has imposed on me what I can only describe as a predatory loan. Citizens partnered with XXXX XXXX XXXX, financing the equipment installed in my home to provide alarm-service coverage. In response to a complaint i filed against XXXX regarding the company 's poor service and its false representations that induced me to sign up, XXXX agreed to cancel my contract on XX/XX/2023. But the company said I remained responsible for paying off the line of credit from Citizens for the equipment. At no point, while i was signing up, was it made clear to me that the equipment could never be returned, even in the event of a contract cancellation or breach. Furthermore, since my initial complaint, the terms of the line of credit appear to have become significantly more onerous. Prior to becoming aware of my complaint, Citizens had been taking {$39.00} a month from my checking account to service the loan, but in XXXX that amount jumped to {$83.00}, an increase of XXXX percent. And the company, without any explanation, sent me a statement showing that the minimum payment due in XXXX would be {$100.00}, or XXXX percent higher than the original monthly charge. Citizens proceeded to draw that amount from my bank account. Also, XXXX 's response letter to my complaint showed me owing a total of {$2900.00} for the equipment, while the Citizens statement listed a balance of {$5200.00}, or XXXX percent more. I have no idea of what the basis for these charges might be -- and I have been unable to get any explanation from the company -- but it's hard not to suspect Citizens is conspiring with XXXX to recoup my lost service charges. From the moment of my first contact with XXXX, in which sales personnel falsely claimed they represented my previous provider, XXXX, through my current dealings with the opaque, rapidly escalating charges from Citizens, i've been misled. I am concerned that Citizens will continue to ramp up its already-excessive charges and terms without any justification or explanation.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I opened my account in 2010 and was offered a XXXX after several purchases and several payments made I began to notice discrepancies. I contacted Wells Fargo and requested an audit of my account as well as billing statements and a record of all payments. Wells Fargo failed to provide the information requested and continued to add charges without my consent or knowledge. I made several attempts to resolve this problem with all levels of management at the branch level to the corporate level with no resolve.
Consumer complaint received 2023-12-05
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: Experian Information Solutions Inc. (GA)

RE : File # XXXX CFBP Complaint ID XXXX To Whom It May Concern, The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). Experian has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If Experian does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX