davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: 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, 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 2023-05-10
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: Kashable LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-24
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. (FL)

This is XXXX XXXX XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid for flood insurance with the XXXX XXXX for my loan property since XXXX. The renew policy period covers from XX/XX/XXXX to XX/XX/XXXX. However, Ive been charged {$50.00} per month from BoA for Flood insurance since XX/XX/XXXX. 

Early XXXX, XXXX - received a letter from BoA regarding missing documents of my flood insurance policy XX/XX/XXXX - I immediately visited the BoA in XXXX XXXX, CA. The account manager in BoA CONFIRMED they had received the proper proof of insurance, no action needed and no additional charges. 
XX/XX/XXXX - I contacted my loan manager XXXX XXXX. She looked into the case and told me Flood insurance is mandatory to be included in escrow now instead of paying on my own, theres a guideline change and lots of change with mortgages this year XX/XX/XXXX - I called the customer service for assistance. Customer service provided me with the same answer as the account manager in BoA XXXX XXXX office, the reason why I was charged additional insurance is because they didnt receive a valid proof of insurance, so I resubmitted my insurance form. 
XX/XX/XXXX - I called customer service and was asked to check with the insurance department. They advised once the insurance department receives the right proof of insurance, they will process the refund of prior charges accordingly. Then a BoA insurance agent provided more detailed advice on what was needed on the proof of insurance, and confirmed Customer Service will need to process the Escrow removal and refund.I resubmitted the insurance policy. 
XX/XX/XXXX - insurance department finally confirmed they received the correct document. Now, they advise me to move on to the next step - contacting customer service to remove the escrow and process refund. I called customer service and no one responded. 
XX/XX/XXXX - I called customer service and was told the XXXX was placed in my account and mandatory for additional charge. 

Could you please help me to get the refund of {$200.00} insurance charged by BoA Escrow. I am covered by the XXXX XXXX, and no need to pay double insurance. 

Your immediate attention is much appreciated.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote TransUnion twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked TransUnion to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. TransUnion did not comply with my request. I contacted the Bankruptcy Court, XXXX District of California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious TransUnion did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform TransUnion that TransUnion is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that TransUnion delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2023-05-10
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-11-30
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  Balance : {$240.00}
Consumer complaint received 2023-07-17
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. (NY)

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 is 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 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

This is regarding Dispute XXXX. I returned the merchandise using the merchant 's XXXX  prepaid return label. XXXX misdelivered/mishandled my return to the merchant and the merchant is refusing to refund despite it being their prepaid return label, they should have to file a claim with their return carrier XXXX and refund me. I submitted photos of the merchandise still sealed in the original box and i re-taped it and attached the prepaid return label exactly as i received it, and i took photos of all that too, showing proof that i did in fact return the merchandise. I also kept the XXXX  drop off receipt and provided that too showing the package weight etc. American Express sided with the merchant I think for discriminatory purposes because I am XXXX they somehow believe the merchant 's story that they received a different item and its somehow my fault. I literally provided photo evidence I returned and sealed the box with the original items from the order inside the return shipping box. The merchant has not provided us a photo of the original box i shipped the items back in, because they or their return carrier have mixed up my return package with another one their warehouse received. The merchants return carrier mishandlig or mixing up or misdelivering my return to them is not my problem, they need to file a claim with their return carrier and issue my refund. American Express has not asked me for any additional evidence and there is not much else I can provide except for photos i already provided proving the items were in fact inside the box that i returned. the disputed amount is {$3700.00}, on Amex account XXXX, transaction date XXXX XXXX XXXX merchant XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-10
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: I.C. System, Inc. (LA)

XXXX XXXX XXXX 1925 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. 
Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
Consumer complaint received 2023-05-10
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: NCB Management Services Inc. (LA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose.

Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
Consumer complaint received 2024-03-21
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. (MD)

Subject : Demand for Immediate Deletion of Inaccurate Account Information on Credit Report : I am writing to urgently address a critical issue regarding inaccurate information on my credit report, specifically related to my XXXX XXXX XXXX account. Despite previously disputing this account with Experian and XXXX XXXX XXXX on XX/XX/XXXX, where it was verified as accurate, there are still glaring inaccuracies present as of XX/XX/XXXX. 

The account number on my credit report, XXXX, differs from both the original loan contract number ( XXXX  ) and the payment history provided by XXXX XXXX XXXX ( XXXX ). Furthermore, the reported last payment date on my credit report is listed as XX/XX/XXXX, whereas my actual last payment date for this loan was XX/XX/XXXX, according to my records and payment history. 

These inaccuracies harm my creditworthiness and financial credibility. The flawed investigation post-dispute was a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information in consumer credit reports. Furthermore, the discrepancies in the account information provided by XXXX XXXX XXXX and reported by Experian constitute violations of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations of my rights provides grounds for the immediate deletion of this account from my credit report. 

I demand that Experian conducts a prompt re-investigation and deletes the inaccuracies associated with my XXXX XXXX XXXX account within 30 days. I also request written confirmation once these corrections have been made.
Consumer complaint received 2023-12-04
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. (PA)

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 is 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 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

This complaint is a carry on of the other XXXX complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no XXXX information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address.
Consumer complaint received 2019-06-03
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: Fidelity National Information Services, Inc. (FNIS) (SC)

I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that XXXX XXXX XXXX XXXX reported account abuse on XX/XX/2018. The issue is that I have never opened an account with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings
Consumer complaint received 2018-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

I made an additional payment to principal on XX/XX/2018, to XXXX XXXX who was my loan servicer at the time. The payment initially had posted properly ; however, on XX/XX/XXXX, I noticed that XXXX XXXX had processed a reversal of my additional principal payment on XX/XX/2018, without notification or explanation to me. By this time, my loan had been transferred to Amerihome,  which I received notification of on XX/XX/XXXX. At the time of XX/XX/XXXX, my principal payment from XX/XX/XXXX had not been credited to me at all, despite the money being withdrawn from my checking account since XX/XX/XXXX. After several calls and elevating to the level of supervisor, my payment was finally posted on XX/XX/XXXX. However, I have contacted customer service several times since XX/XX/XXXX to have my payment properly backdated to XX/XX/XXXX when it was made and Amerihome refuses. I have supporting documentation from XXXX XXXX and my checking account to show that that payment was made on XX/XX/2018, and not XX/XX/2018.
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (OR)

XXXX XXXX ( I believe ) has been calling my cell phone, ( XXXX ) XXXX for the past 2+ years for a XXXX XXXX . I don't know who this person is, repeatedly told the company this, and asked them to take me off their calling list, and I still get a phone call every few months. I've had this XXXX number for over 10 years and now live in XXXX. Because of this, they have woken me up at least once at near XXXX. 

I don't have a full list of incidents, but have a few voicemails from them for the few times I didn't answer my phone. They've called me at least 20 times within the past couple years. Here are the dates/times I was called, the phone number that called, and a brief description. All of these voicemails reference XXXX XXXX. 

XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Only asked for XXXX XXXX. XXXX call, no callback number. 
XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - This is the call I picked up today, with the person asking for XXXX XXXX once again. I just hung up as I've already asked them numerous times to stop calling me.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I was talked into taking out XXXX loans to attend XXXX ( a XXXXXXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX let who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX : XXXX