davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (GA)

Transunion and XXXX is still reporting an account on my credit file my XXXX XXXX XXXX. If Transunion and XXXX review the response from XXXX XXXX XXXX from Consumer Financial protection bureau XXXX XXXX XXXX XXXX XXXXXXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones XXXX file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point XXXX and Transunion is liable as well.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX  , I requested verification of debt a nd two late p ayments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FD CPA 807 [ 15 USC 1962e ] this is a  violation
Consumer complaint received 2023-01-04
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the TransUnion credit bureau was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$360.00}
Consumer complaint received 2023-01-18
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Wakefield has place collection on me that are not mine.   XXXX   XXXX   XXXX    offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/year>, My personal information was compromised, and someone opened a account with Pay Pal Master card Synchrony bank. I had contacted them and said to them, I did not open a account. I asked the person from synchrony bank, how they got my information. They said a person opened the account and had all of my contact and Personal information. They said had called and open the account. I said, that I did not request a account from Synchrony Bank/ Pay pal Master card. I asked them to give me information on what I Purchased, I asked to speak with a American Speaking person. She said that I went to XXXX XXXX, and rented a Room, and went to the Vending Machines to buy Eyelashes, Candy and soda and items in the vending machine. I said that I never go to XXXX XXXX, and Rented a room, along with the vending machine purchases. I've been trying to Conclude this matter for over 4 years. I filed a report with the Police, and filled it out on line. this when I Lived in XXXX California. I turned over the Information with My Lawyer 's Secretary for help. I would like to conclude this Matter and have it Cleared from my Credit Reports. I have filled out Pay Pal Master card forms with there bank Synchrony. Please let me know, any further information is needed. My Email is XXXX. The accounts are XXXX XXXX. {$3900.00}, and acct # XXXX XXXX {$1700.00}. Please let me know, if any further information is needed. Thank You XXXX XXXX.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX reporting credit bureaus : Equifax, XXXX etc. My past credit has been deleted on accounts that state paid as agreed. I have been told I dont have enough types of credit ( I did but paid as agreed ). Also limits too high but they are new accounts less than 6 months old. I would think a XXXX XXXX  with credit history for over 40 years should have excellent credit IF all information is correct because I have never missed any payments! The bureaus all sell services like boost your credit score, and credit protection, etc. They want consumers to have low scores and Texas has the lowest in the Nation because of these tricks they pull. Like making their website look like the annual free credit report site. Why is this being allowed to continue? My score is XXXX fair? Ridiculous! Please note attachments. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

I have asked to proof that the debt is accurate. ( XXXX : pictures of alleged damages ), notice of right to dispute debt. I was told I would receive in 30 days and that was months ago and still have yet to receive anything. Have called multiple times and was hung up on or told to leave message and no return phone call. Asked to speak to supervisor and was told I could not speak to supervisor and hung up on. I have tried to dispute on credit reports but it gets declined saying debt is accurate but yet no proof of anything to prove debt is accurate. I even had a lawyer to reach out to both the National Credit Systems Icn and the owners of the apartment complex Southern Residential Management who sold my debt to the debt collectors. Neither one responded.
Consumer complaint received 2022-09-12
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. (FL)

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : experian, XXXX and XXXX. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the XXXX data breach. 

All account information and dates are on attached document.
Consumer complaint received 2023-05-17
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received first phone call from XXXX ( saved in my contacts as my Bank number ) at XXXX, informing there was fraudulent activity of someone trying to open an account in XXXX XXXX and performing XXXX XXXX. They gave me a cancellation code and said another rep from the XXXX department will call to get information in order to help track the fraudulent activity. Received another phone call from same number at XXXX. " Agent '' introduced himself as XXXX XXXX ID # XXXX, explained there were 2 transactions that were placed in my name. He instructed me to send money to " XXXX '' and " XXXX '', the first for XXXX and the second for XXXX. This had to be done this way to track the fraudulent activity. He was very aggressive and made me very nervous- at one point I asked him to hold and I called my bank on husband 's phone and when I hung up to get a phone call back he said that he could see in his system that I had called and that sinceI requested to speak to another agent, he would have to hang up and my account would be unsecured.

Told me to not access the account for 24 hours. Called me the next days but when I confronted him he hung up.
Consumer complaint received 2024-06-12
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Beyond Finance for what I believe to be serious mismanagement of my debt settlement account and multiple instances of misinformation that have led to financial harm. 

Mishandling of Payments : Despite my adherence to the payment schedule agreed upon in the debt settlement agreements with my creditors, managed by Beyond Finance, there appears to be a significant discrepancy in how my payments have been processed and reported. This has raised concerns about the integrity and accuracy of Beyond Finance 's management of my funds. 

Misrepresentation and Misinformation : Throughout my dealings with Beyond Finance, I have encountered numerous instances where the information provided was either misleading or outright incorrect. This includes discrepancies in the reporting of settled debts and unclear explanations regarding the fees charged. 

Improper Fee Charges : I have been charged fees that do not align with the actual services rendered or the outcomes achieved. For example, fees were levied for settlements that were purportedly reached but do not reflect the actual terms agreed upon or were not acknowledged by my creditors. 

Lack of Transparency and Communication : There has been a consistent lack of transparency and effective communication from Beyond Finance regarding the status of my debt settlements. This lack of clarity has made it exceedingly difficult to track the progress of my settlements and understand the financial implications of the actions taken by Beyond Finance. 

These issues have not only caused financial strain but have also led to significant stress and frustration. I believe that Beyond Finance has failed to meet the obligations set forth in our agreement and XXXX have violated consumer protection laws. 

I am seeking a thorough investigation into these matters and appropriate corrective actions. I am prepared to provide all necessary documentation and correspondence to assist with this investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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

You have have reported transactions on my credit profile between myself XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, according to the FCRA to 15 USC 1681a ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3, the term consumer report does include reports contain information solely as to transaction. My transaction history between I and the creditors are EXCLUDED from the consumer report. Delete all these alleged late payments, ALL items marked late as demanded. My federally protected consumer rights are being violated. I am being harmed financially, emotionally and physically due to these unfair and defamatory remarks. On several occasions I have demanded that the credit reporting agency uphold 15 USC 1681 that my privacy be respected the financial institutions have all failed to provide disclosure 15 USC 6802 Gramm Leech Bliley act, that would allow me to opt out of reporting transactions. we are in an arbitration and there is a charge off from XXXX on my credit profile. I demand that it be taken off. This is my final notice before filing a law suit for injury. I have not been able to find stable housing due to your defamation of charter on my credit profile and I have filed with the FTC aggravated identity theft. As you are acting as the one whom knows more than me what is and what is not valid on my credit report. Although I have disputed According to 15 U.S.C. 1692 ( e ) ( 1 ) is a subsection of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Specifically, this subsection provides that a debt collector may not : " ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) The false representation of -- ( i ) the character, amount, or legal status of any debt; or ( ii ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ''
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-18
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (DE)

My mortgage was transferred from XXXX XXXX XXXX to Loancare. I was laid off from my job on XX/XX/2022, I called into Loancare for mortgage assistance. I followed all instructions and provided the needed documents. Every time I called in for status I was constantly being told to provide the same documents over and over again. I was then told to provide certain items for a loan modification. I did not apply for a loan modification. I simply wanted a forbearance to assist me being that I am now unemployed. They have not communicated anything as to the smear steps just keep asking for the same information. My lender should be able to assist with all the programs they claim to have to help homeowners, instead they take their time to process the application. One representative told me that it can take as long as a refinance! This is absolutely ridiculous! I was able to pay mortgage for XXXX and for XXXX, but if I am asking for help, why are they not providing it? The regular forbearance was a lot easier. Why is an unemployment forbearance any different, these processes should be made a priority to avoid a homeowner going into foreclosure.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Chime bank/ XXXX bank froze my bank account on XX/XX/XXXX at XXXX claiming I broke internal policies. 
No reason other than has been given. 
They requested Proof of identity Photo of ID front and back Proof of Address I submitted these documents and they claimed they needed more information and requested a W-9 I submitted that information and have not received any communication afterwards.

I have emailed 10 times and called multiple times and have been told i should of been updated in 24/48 hours but I have received no updated at all.

Multiple workers have said they will escalate the situation but when I call again the next worker tells me it has not been escalated. 
I need access to my funds and I am being ignored.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act account # 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 an account without my written instruction.
Consumer complaint received 2022-11-15
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. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX BANK XXXX XXXX XXXX Balance : {$3900.00} ; XXXX CARD XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-17
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX