davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (MI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I am a FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I AM TIRED OF WAITING ON EXPERIAN TO DO WHAT THEY ARE SUPPOSED TO BE DOING PER THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) WHEN IT COMES TO RE-INVESTIGATION. AFTER LOOKING AT CONSUMER LAWS THE ITEMS I LISTED SHOULD BE REMOVED. BY ALLOWING THESE ITESM TO STAY ON MY CONSUMER REPORT XXXX IS DAMAGING AND RUINING MY CHANCES TO OBTAIN A MORTGAGE. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE TO ME CONSUMER REPORT. 1.On the grounds of 15 USC 1681s2 ( B ), the information I listed should all been deleted after all the re- investigations 2.On the grounds of 15 USC 1666B TIMING OF PAYMENTS ALL LATE PAYMENTS SHOULD OF BEEN ALL REMOVED FROM EACH ACCOUNT I LISTED BELOW. 3. UNDER 15 USC 1681C-2 BLOCK OF INFORMATION these accounts I listed should of all been deleted AFTER NOT BEING PROPERLY INVESTIGATED and not reporting on my consumer report. 4.Under FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B2 PERMISSABLE PURPOSE these unauthorized inquiries I listed below should all be deleted 5. This address where I DO NOT RESIDE AT should be deleted. REMOVE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. REMOVE ALL LATE PAYMENTS SHOWING IN ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX REMOVE ALL LATE PAYMENTS REPORTING, REMOVE THIS INQUIRY XXXX XXXX  XX/XX/21. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE CHARGE OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX SHOULD ALL BE DELETED BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS ON THERE ACCOUNTING BOOKS ARE CLEARED AND RECIEVED DEFAULT INSURANCE PAYMENT AND TRYING TO GET DOUBLE ENRICHMENT PAYMENT FROM ME THATS NOT FAIR TO ME THE CONSUMER. I have ASKED FOR RE-INVESTIGATION OF ALL these issues ( 3 ) times prior and have PAST CFPB DISPUTES ON RECORD WITH THERE REPLY AS PROOF and every time it all came back " verified " but NOT ONCE DID I RECIEVE THERE METHOD OF PROPER INVESTIGATION STEPS THEY TOOK IN WRITING SENT TO ME REQUIRED BY THE FCRA needed to be continuing to be reporting on my consumer report. Under the FCRA CONSUMER LAWS I LIST THESE ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE XXXX WILL NOT COMPLY TO THESE FCRA CONSUMER LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. THEY ARE NOT COMPLYING TO THESE FCRA LAWS LISTED AND ARE IN VIOLATION OF 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. AND EXPERIAN DOES NOT COMPLY WITH GRAMM-LEECH-BLILEY ACT WHEN IT COMES TO MY CONSUMER REPORT. AND AS A RESULT I AM NOT BEING FEDERALLY CONSUMER LAW PROTECTED.
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Brightfunders, LLC (MD)

My mortgage servicer 's website is completely down and I'm not able to make a payment. I haven't received any notifications, but based on what I've learned online the company is in the midst of a cyberattack. The customer service phone number is no longer working ( when I call I get a message saying " this number is no longer in service '' ) and an email sent to their customer support address is not acknowledged. I've never been late on my payments, but am concerned that without online access or customer service answering the phone, I'm not able to send payment.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX th I use my debit card, which left my account at 0, no overdraft, I was getting a deposit that same day, and they close my account for no reason, I have been getting direct deposits 3 of them from social security to my account, and they didnt give me a reason
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX {$2000.00} loan ; Opened XX/XX/XXXX ; Term 36 months Closed on XX/XX/XXXX I reported this as identity theft to the FTC on XX/XX/XXXX as I realized that my information was compromised on the dark/deep web ; and this account wrongfully, unethically opened without my consent.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX {$2000.00} loan ; Opened XX/XX/XXXX ; Term 36 months Closed on XX/XX/XXXX I reported this as identity theft to the FTC on XX/XX/XXXX as I realized that my information was compromised on the dark/deep web ; and this account wrongfully, unethically opened without my consent.
Consumer complaint received 2023-07-11
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. (NC)

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 


XXXX XXXXXXXX account number XXXX Open date XXXX XXXX XXXX XXXX XXXX Open date XXXX
Consumer complaint received 2023-08-08
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-02
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. (MI)

A fraudulent account was opened in my name on XXXX XXXX with XXXX XXXX. Ive contacted the creditor and attempted to have it removed as well as disputed the account with the credit bureau. The account now reports as XXXX XXXX with no Validation of contract and existing business as requested. Nothing was received within 30 days or ever therefore my consumer rights were violated and Im prepared to pursue litigation. The account is reflecting a balance of {$810.00} and Experian is allowing the account to report without proof of my business dealing with this company.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (UT)

I have 2 credit cards through a parent company Genesis FS ( Milestone MC and Destiny MC ). I made an ACH for both accounts on XX/XX/XXXX, and both cleared my cleared my bank account on XX/XX/XXXX. Only the Milestone MC payment was applied to that account. I called the customer service number for Destiny MC ( XXXX ) today, XX/XX/XXXX to see why my {$49.00} payment wasn't available to use on my account even though it's been withdrawn from my bank account and shows posted to my Destiny MC online account. The agent didn't give me a proper explanation, so I asked to speak to a Manager. She stated it takes up to 14 days to post to any account to " verify '' bank accounts and funds. I said that is ridiculous, both payments were withdrawn and posted to my Milestone MC and Destiny MC accounts on XX/XX/XXXX from the exact same bank account, so that's impossible. I told her what they're doing appears to be unfair and possibly illegal since I don't have access to my Destiny MC yet they clearly have the funds and I'll report them for unfair credit practices. Thank you in advance for your assistance.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

Subject : Request for Assistance in Removing Inaccurate Information from Credit Reports Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your guidance and assistance in rectifying a persistent issue I have been facing with my credit reports. Despite multiple attempts to resolve the matter directly with the credit bureaus, I have been unable to achieve a satisfactory resolution. 

I have diligently contacted all three major credit bureaus XXXX, XXXX, and XXXX regarding inaccurate information contained in my credit reports. Unfortunately, they have not taken the necessary actions to correct or remove this information, which is negatively impacting my creditworthiness. I am concerned that these inaccuracies are severely restricting my ability to obtain loans, credit, or other financial opportunities. 

Which has also impacted me in a way that I have, unfortunately XXXX. I am also facing distress over all of these situations, due to circumstances that I have not done under my Social Security. 

I have provided all relevant documentation and dispute letters to the credit bureaus, outlining the specific errors and requesting their prompt investigation and removal of the inaccurate information. However, despite their obligations under the Fair Credit Reporting Act ( FCRA ), the credit bureaus have failed to act in a timely manner. 

Given the ongoing frustration and lack of progress in resolving this matter, I am now turning to your esteemed agency for assistance. I kindly request that you intervene on my behalf to ensure that the credit bureaus promptly address this issue and remove the inaccuracies from my credit reports. 

I trust that with your expertise and influence, we can reach a resolution in a timely manner and restore the accuracy of my credit reports. 

I sincerely appreciate any assistance you can provide in helping me rectify this matter. I believe your intervention will not only aid me personally but also contribute to maintaining the integrity and fairness of the credit reporting system. 

Thank you for your attention to this matter, and I look forward to your favorable response. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 
Account # XXXXXXXX XXXX Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-03-14
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
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. (NY)

Identity theft 3 account were opened in my name. Fraud reports and ftc reports already made XXXX and transunion did not remove these accounts after proof was given from authorities XXXX  XXXX XXXX Balance {$5800.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$4700.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$6800.00} XX/XX/2023 XXXX
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00}. XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I opened an account with Chime in XXXX  and deposited money from a 401k loan. 
I then took the money to pay off my back mortgage payments, so I would not lose my house. 
After that, I had around {$1100.00} dollars left in the account. A couple of days after the transfer to my mortgage company, Chime suspended my account, refused to tell me why, and said I could not have the rest of my money. 

Chime has a lot of complaints about this type of behavior. Some links are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed inaccuracies with XXXX XXXXXXXX XXXX  reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to Trans Union and XXXX. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXXXXXX XXXX XXXX be deleted from both XXXX and from TransUnion just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.
Consumer complaint received 2023-07-06
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. (GA)

PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS XXXX, EQUIFAX AND XXXX ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME XXXX TO XXXX  AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.
Consumer complaint received 2023-09-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

17 years ago I initiated a conventional mortgage with Libor interest rate. The Collector PHH Mortgage Services XXXX XXXX XXXX XXXX, Pa. XXXX XXXX Phone XXXX XXXX XXXX. Date of loan origination was XX/XX/2008 and the initial payment was XXXX. Now my payment is based on 8.2 % when the Libor is 5.44 %. My contention is that I have paid my loan for the 17 years without a late payment and they using the american rate of interest instead of the Libor. I am requesting they return my loan to the Libor rate instead of SOFR rate and refunding the resulting overcharges for the entire time of the increases.