davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TN)

Unauthorized withdrawls XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Did credit my account and then took the money back When i tried to calling to resolve. Banker just hung up the phone and was given a email to contact some which is not exist XXXX XXXX
Consumer complaint received 2023-10-06
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. (AZ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

On XXXX XX/XX/year>2024, I requested a copy of my consumer credit report from Equifax. To date I have not received said report. It has been 36 days since I submit my request, well in excess of the 15 days required by the Fair Credit Reporting Act.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I disputed these accounts a few times and it keep coming back verified but How did XXXX and equifax verify this as accurate? I NEED DOCUMENTATION OF EVERY ACCOUNT ATTACHED!!!!!! How was this investigated when accounts on my report havent been updated since XXXX its XXXX which is a violations under the FDCPA Section 807 ( 8 ) Please send me any and all documentation that u have that show that XXXX and Equifax actually did they job I need to be provided with documentation that includes the Original Purchase Agreement, Terms & Conditions, Proof of ownership of the debt from Original Creditor. Name of original creditor? Account number, Amount owed, Proof of payment history Send me these documents within 15 days and if u can not send me documents in 15 days delete this from my account Immediately. I would have to seek litigation because this is violation and took a toll on my everyday life been denied for apartment, loan, credit card..etc
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I looked at my report on XX/XX/2023 I noticed some things were reporting incorrectly. I sent a letter to XXXX asking them to reinvestigate the completeness and accuracy of my accounts. However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (IL)

on XX/XX/2023 my account with current was closed for " suspected fraudulent '' activity yet no such fraud has occurred and the company after 3 weeks fails to release the now {$330.00} USD that is in the account any and all attempts to get a straight answer results in a ticket being instantly marked as solved with no response as if they are just hoping i go away.
Consumer complaint received 2024-04-10
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. (CA)

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. THE BUREAUS and 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 2018-06-22
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. (WA)

I have disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

A year ago in XXXX I received multilple offers on a credit card that I recently had to continue on a program of 0 % interest. I walked into the bank to talk to a representative about this offer that seems too good to be true. They told me that it was a great promotion and also recommended that I open a second card with a 0 % interest as well to help consolidate debt from other cards. I did as advised which also meant maxing out the new credit card and taking the remaining balance as pocket money. 

Months ago I noticed that all the payments I have been making have barely made a dent in my balance. I called to discuss these insane interest charges on a charge that I dont use. The representative on the phone told me about these interest charges and I explained that I was told there wouldnt be any. She insinutated that I took money out and pocketed it when I explained I was advised in all steps to do as the financial advisor at the bank told me to do. She was no help to me and berated me for my debt. 

I still accure charges of interest on purchases without purchasing. These charges are 50 % of my payments made and are creating more debt. I was falsely mislead in their promotion and thought I was being advised in the direction of debt relief. I have never had a more debt accruing credit card in my history.
Consumer complaint received 2024-04-10
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. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NY)

I opened this account to have my unemployment benefits direct deposited into it and at the time the Bank Rep did not fully disclose all the fees I would incur with not maintaining a certain balance or fees for use of my atm card. When I tried to close the account I had many fees pending that I had to resolve before closing the account and it being sent into Collections. The Rep was only interested in keeping her numbers up for account openings.
Consumer complaint received 2024-04-10
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. (DE)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P. (FL)

An agent Identifying himself as calling on behalf of LTD FINACIALS SERVICES called a family member of mine. How embarrassing and harmful. I don't know this company, nor do I have a contract with them. They have violated my privacy and that of my family member 's. I didn't give my information or that of my family member 's to this company.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

I was not using my credit card often due to the store being closed in my area. I had set up autopay to pay my card and noticed that my balance was not going down as expected. I also started receiving magazines that I never ordered in the mail, I checked my online transaction history and realized that I have been charged for the magazines that I have never ordered. I have been contacting the company since XX/XX/XXXX about the issue and have been told that they are unable to resolve the issue, I researched the magazine company and had to find the phone number on my own to contact a real person, number given to me by Comenity Bank was a recorded line that hangs up when you ask for a representative. The person I spoke with stated that I have been receiving magazines since XXXX ( I have not, but starting receiving them in XX/XX/XXXX ). I have been in contact with Comenity Bank, spending over 5 hours of my time trying to resolve this issue with no resolve. They are refusing to reverse the charges on my card and I explained that I will not pay at all anymore until they refund the fraudulent charges to my account they refused and stated I needed to pay for the charges for magazines that I have never ordered.
Consumer complaint received 2017-09-18
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. (FL)

I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX Account 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

this is a formal compliance against equifax, the XXXX account charged me for a services i never received, and when i went to pay it they told me that they were going to remove it from my credit report, something they never did
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-06-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes in reference to the account from XXXX XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. XXXX XXXX ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to me.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

First call I received was an automated message requesting a call back. I never consented to ADAD calls to my cell phone. I called back and found out they were looking for my brother. I told them not to call me again that this was not a good number for my brother. Since the first call, I have received atleast 3 more calls, all of which I explained that they should not be calling my cell phone from a dialer, and that they should not be calling me at all because I already told them this was not a good number. Yesterday I explained that I work in the same industry, and every call is a violation of the TCPA and FDCPA, and they need to update their records to stop calling me. Then today they called again! I again informed the representative and the manager of the issue, and they just said they would update the record. However this isnt just about ME, as I spoke to more than one rep, this seems to be a training issue or a systems issue.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX {$41.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

I've had two loans through XXXX XXXX, and was recently informed that Flagstar bank was taking over these loans and the servicing. It is now XX/XX/XXXX, and my payment is normally deducted at the beginning of the month. I had assumed this would be an automatic process / transition. I have reached out to customer service but yet to hear back. I would like to ensure that I do not get charged any late fees or have my credit rating tarnished because of the incompetence of the new loan servicer.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (TX)

This is a follow up to the complainXXXX. 
I was informed yesterday that i need to to check the to the XXXX XXXX, XXXX XXXX /customer Services and they will endorse the XXXX check via the branch Endorsement code, and the both claim has been updated with that information which allows them to endorse the checks. 
After 4 hrs driving & waiting and the customer Service rep. ( XXXX XXXX XXXX XXXX ) informed me that they are not able to do this and requested inspection, which has been performed and order and the cost waied, along with other documentation. 
why?