davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (PA)

I sent a dispute letter to transunion dated XX/XX/2023 it is now XX/XX/XXXX and I have yet to hear a response to from them. The FCRA clearly states that no more than 30 days it should take for a response, I would like for transunion to delete these disputed accounts which I will indicate below
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (NE)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-08-18
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. (NY)

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. 

Id notified Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX , XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate.

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (NC)

Focus Receivables Management is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

I have two negative collections accounts on my credit report from Simons Agency Inc. One in the amount of {$520.00} and another for {$690.00}, both said to have been from XX/XX/XXXX. I sent a request to Simons Agency Inc to validate this alleged debt through certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard from the collection agency or received and form of validation for this debt.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Privacy and confidentiality under 15 USC 1681 Bank Of AmericaXXXX XXXX, and XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (NY)

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 My account with XXXX XXXX is paid in full, falls under the status of Charge Off
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

Selene Finance LP did not pay my property taxes out of my escrow account, they also did not pay my home owner insurance out of my escrow account. My property taxes are past due as of XX/XX/2023 with multiple late fees. 
Property taxes : {$11000.00} due on XX/XX/2023. Now with multiple lates fees the recent bill is in the amount of {$13000.00} due by XX/XX/2023. Another late fee will commence after XX/XX/2023. 
Home Owners Insurance : Amount due {$1800.00}, on XXXX XXXX was also past due and has been paid by us directly since we did not want to loose coverage on our home. 
We have contacted Selene Finance on a weekly Basis since XX/XX/2023 and we get the same response each time " your problem will be fixed this week '' The Property taxes are now almost 5 months delinquent, and the 2nd round of property taxes will be due in XXXX. 
We have over {$35000.00} in escrow which has NEVER been used to pay any of our property taxes or home owners insurance by Selene Financial LP. We have never missed a mortgage payment, and often make supplemental principal payments. What this company is doing is gross negligence and putting us at risk for foreclosure on our property. 

They should be investigated and shut down.
Consumer complaint received 2024-04-02
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. (NJ)

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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX : : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-09-05
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. (IL)

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Consumer complaint received 2022-12-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one auto has repeatedly continued to report this on my credit. I have disputed this numerous times and the text messages continue. Please stop trying to collect this. This has been going on for several years. 
Please remove this from my credit report. All three bureaus. This is harassment. 
In addition, the name this contract was under is not the same. 
Please see attached.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2022 at XXXX XXXX I called XXXX to speak to the institution who holds my deposits on a prepaid debit card given to me to receive my funds after XXXX donations at XXXX. Per the Fee Schedule provided my deposits are held at Regions Bank and there is some third party relationship with XXXX. Also, the prepaid card is issued by Comdata. 

The reason for my call is that when I received the prepaid card at XXXX at the beginning of my relationship the card was in a sealed envelope which contained a prepaid card attached to a schedule of fees ( XXXX side was the Welcome letter the other side was the list of all fees ). Per the schedule of fees there are only XXXX ways to access your funds free of charge after XXXX donations. Either by conducting a POS Transaction as a credit transaction that requires a signature or via Bank XXXX Withdrawal ( for banks participating in the XXXX Network ). I called to ask where I can make a Bank XXXX Withdrawal to withdraw my funds without being charged. The Operator explained that what I was seeing on the schedule of fees is not associated with my debit card but with their payroll card. I explained the fee schedule was confusing and deceptive because it appears there is a way to withdraw funds from the account without being charged but only after I called them am I being notified that was wrong. I told them about XXXX and that this fee schedule was deceptive as there is no way to withdraw funds after I make a XXXX  donation without being charged. The bank works with XXXX as an in-network ATM, the cost is XXXX if you withdraw your money and it is XXXX  if you withdraw at a POS system. The Operator acknowledged that it was deceptive but she provided no further assistance. I would reccomend that regulators listen to my conversation with the bank at the time listed above. They let me know the call was recorded. 

I want the bank to update their fee schedule so they do not receive consumers. When I told the bank about the issue they pushed the blame to the XXXX donation center. I told them they could not absolve themselves of responsibility just because they give a third party authority to issue prepaid cards and the cards are sealed in envelopes sent by the bank. The Supervisor at the bank was not concerned about it even though I recommended they communicate with whomever has authority to enhance their fee schedules. I fear they are taking advantage of XXXX people who donate their XXXX and might rely on the payment and are not aware the bank is making every effort to deceive the donors and take part of their income. There are other prepaid cards for XXXX centers who have chosen not to charge fees for the first withdrawal after a XXXX donation ( for example, XXXX XXXX ).
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NC)

XXXX I got XXXX XXXX XXXX from XXXX XXXXXXXX and they approved me for credit. They evidently use Commentiy bank for the loan. Commenity mailed a statement that says pay your bill but they ask you to login and pay with a account number. I never received an account number. They contacted me about a past due balance, when I tried to pay them, I asked for my account number so I could pay online and they could not give it to me. Then immediately after the calls got worse. They harassed me several times a day and when I would answer they would hang up then when I would call nobody would help me. Like one person said they don't know my account number I called to speak with a supervisor and they would not transfer me. I finally told them not to call me anyone a few weeks ago. Now, today XX/XX/2023 I got a text from my sister, with an audio recording from XXXX XXXX XXXX option XXXX XXXX XXXXXXXX. This lady purposely called my family member who is not listed on any of my data. I am independent and never ever give out family members information. My sister is not involved in this and should not be harrassed like the. This hurt my feelings to have someone call my family member who is in Minnesota. I am in XXXX, NC and I have not told this company about any of my family. 
They researched my family members on XXXX evidently. I don't want them to call lmy family or me. This is ridiculous. I think they are harrassing me. I lost time from work today to call XXXX and try to report this. They told me to contact you. Please help me! I do not know what to do. I feel threatened, and that they are going to give out my credit information. I have had some issues with my bank account also. I dont know if they are doing anything with my social security number and I do not trust them. I have disputed their bill with the credit reporting agency. I don't want to be harrassed. I feel like taking out a lawsuit against them anyway because the procedure was painful and did not work. Please help! Thank you
Consumer complaint received 2023-08-18
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. (FL)

I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to XXXX, XXXX and TransUnion 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore XXXX, XXXX and TransUnion are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.
Consumer complaint received 2024-04-02
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I wanted to add this to a current compalaint against ComenityXXXX. 
They can not find my old account and if I call they tell me to EMAIL to start a complaint..then when I email, they tell me to call. Vicious circle. 
I started an official complaint ( crediting my payments to an old acct instead of my current account ) but there is not a way to update. 
No one can find my old account YET I receive XXXX different account statements in the mail XXXX XXXX different acct #
Consumer complaint received 2023-08-18
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MI)

Tried to access my account online, and tried to login with no luck, same as to reset password. 

Chime Customer Service are very rude and unprofessional, kept giving me the run around. 

Sorry, you can't reset your password because your account is currently closed or suspended.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

I am filing a complaint because I believe that Bridgecrest breached our legally binding agreement and violated my rights have been violated under the FCRA. I had a loan with Bridgecrest for a XXXX XXXX XXXX and I purchased a GAP insurance policy with a company also owned by Bridgecrest. I was involved in a car accident on XX/XX/XXXX that resulted in the XXXX being deemed a total loss. I know for a fact that on XX/XX/XXXX XXXX paid out the claim to Bridgecrest. On or about XX/XX/XXXX I was told by an agent of Bridgecrest that the remaining balance would be paid out by my GAP insurance policy. In XXXX of XXXX I was made aware that the GAP policy had only paid less than half of the remaining balance and that Bridgecrest immediately charged-off the remaining amount without ever making any attempt to collect on the debt or notify me that any balance was left. I was lied to by the agent and my policy that I paid for did not pay out what I was owed. This has done significant damage to my credit and has defamed my character to banking institutions and lenders. It makes me look as if I dont pay my debts, even though the debt should have been paid in full immediately after the accident. I was denied a bank account due to this inaccurate reporting and my reputation has been tarnished with this institution. I am asking that Bridgecrest be made to honor the contractual agreement that we made and delete this inaccurate account from my credit reports. If this matter is not resolved quickly, I will be seeking legal action against Bridgecrest for Defamation of Character and Breach of Contract.