davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
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)

I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX XXXX XXXX XXXX, and the U.S. Bankruptcy Court for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Standards and Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section XXXX ( a ) emphasizes the need for consumer reporting agencies like XXXX and XXXX to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
XXXX. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
XXXX. 15 USC 1681, Section 604 ( a ) ( XXXX ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
XXXX. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
XXXX. 15 USC 1681C ( a ) ( XXXX ) and 15 USC 1681s2 ( A ) ( XXXX ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
XXXX. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.
Consumer complaint received 2023-07-08
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: Southwest Credit Systems, L.P. (GA)

In accordance with the Fair Credit Reporting Act, 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. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that XXXX XXXX XXXX XXXX has reported this account as a charge-off and that XXXX XXXX was obligated to send me a 1099C form. I have called XXXX XXXX XXXX XXXX and have written them several times to no avail Has this company sent me this documentation?
Consumer complaint received 2018-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

I am widow. According to Minnesota Law title of the primary residence has been transferred to me as a surviving joint tenant. Lender advised that I qualified for a loan modification and offered me to go through the loan modification and assumprion processes to assume the loan. I have submitted all requested documents to the Lender. The reception of all received documentation has been review and confirmed by Relationship Manager. According to the Relationship Manager assigned to the file my income has been approved and I was advised on proposed modified monthly mortgage payment amount. Suddenly, Lender ignored the Interior Appraisal done by certified appraiser hired by the same Lender itself and instead making decision in 30-45 days period, Lender is keep asking for the same information multiple times and ignoring the fact that all documents have been submitted and made the appraisal expired. In addition to that the Relationship Manager on the file was very confused with all what is happening and keep appologizing but he was removed from the file. I still have a hope that all of the above is the accidental issue due to the Bayview Loan Servicing internal reorganization process and not staged circumstances to victimize me as widow and foreclose on my primary residence. I just received the pre foreclosure notification from the Lender for my home. I am asking to help me work with my Lender, Bayview Loan Servicing, to complete the loan modification and assumption processes and avoid a foreclosure. I doesn't feel right and still hard to believe when Lender might use the circumstances like " loosing my husband ', which is hard enough by itself, and making the process so stressful.
Consumer complaint received 2018-10-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (GA)

I am continually being called, harassed, and threatened by XXXX XXXX   representing Ace Cash Express over an alleged debt that involves my son XXXX XXXX. Every morning and evening I am being called and threatened to be served Civil litigation papers on his behalf of Ace Cash Express, from the following numbers XXXX, XXXX XXXX XXXX XXXX. 
My family members XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX As you are quite aware this action is in direct violation of FDCP 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

BANK OF AMERIC A (  FIA CARD SERVICES ) ARE VIOLATING THE DODD-FRANK  WALSTREET REFORM A ND  CONSUMER PROTECTION ACT. T HEY ALONG WITH ALL CREDIT FURNISHERS ALLOWING  XXXX  TO SUPPRESS CONSUMER CREDIT REPORTS WHILE DOING BUSINESS WITH THEM. IS A UNLAWFULL, IN ADDITION PAY  XXXX  MILLIONS IN REPORTING FEE  ; S.      SHOULD YOU NOT CORRECT THIS MATTER WE WILL FILE A CLASS ACTION AGAINST   XXXX   AND ALL CREDIT FURNISHERS TO WHOM FAIL TO ADDRESS THIS MATTER DIRECTLY WITH THIER  XXXX  LEGAL DEPT.      XXXX  DATE NOTICE TO FILE SUIT.
Consumer complaint received 2023-04-17
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. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TN)

On my XXXX statement for my Comenity Capital Bank XXXX XXXX card, my promotional balance was XXXX to be paid in full by XX/XX/XXXX to avoid paying interest. My minimum payment due by XX/XX/XXXX was XXXX. I paid the {$56.00} on XX/XX/XXXX. I paid an additional {$100.00} on XX/XX/XXXX. I called on approximately XX/XX/XXXX and asked for the {$100.00} to be allocated to my promotional plan. The representative said I had to wait and call in about a week. I called about a week later and asked for the {$100.00} to be allocated to my promotional plan and was advised it had been done. I looked online a couple days later and didnt see a change. I then received my XXXX statement. The payment for {$100.00} was there but my promotional balance was now {$260.00}. Only {$10.00} from my minimum payment due had been applied to the promotional balance. My {$100.00} payment had not been allocated to my promotional plan. Had it been applied, my promotional balance would now be {$160.00}. My minimum due on that statement was {$52.00} due by XX/XX/XXXX. On XX/XX/XXXX I submitted a request in writing throught the websitess Secure message center asking for the {$100.00} to be appled to my promotional balance. I have yet to receive a response. In addition, I called back again and spoke with a manager and asked that the {$100.00} be allocated to my promotional plan. He stated it was previously done incorrectly and had been done correctly now. He then told me an amount to pay before my next statement to pay off my balance. On XX/XX/XXXX, I paid a total of {$220.00}. This was to cover the corrected promotional balance of {$160.00} plus pay XXXX, which included my minimum payment due. I waited for the promotional balance to be reduced online and it never was. I called XX/XX/XXXX and was advised that I would not be able to see a reduction in my promotional balance until the statement cut and to check the balance on XX/XX/XXXX. I checked the balance on XX/XX/XXXX and my promotional balance was reduced to {$87.00}. This new promotional balance reflects {$10.00} applied from my minimum payment due and the extra {$160.00} from the {$220.00} I paid on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a manager asked that my {$100.00} be allocated to my promotional plan. She advised that there was nothing she could do as they werent able to go back that far to move the money. She told me that if I pay my new minimum payment due plus the {$87.00} by the due date, it would pay my promotional plan off.
Consumer complaint received 2023-04-17
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. (FL)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
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. (AR)

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, or Experian. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or Experian has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (VA)

I applied for forbearance as a direct effect of covid19 when I lost my job. The process was severely delayed as I was requested to resubmit documents repeatedly. Then the mortgage company changed names, from XXXX to Amerihome, docs expired so the proceed started again. Once finally approved for the modification a letter was sent out stating my payments would now be {$2000.00}!!!!!! vs {$1700.00}. Unable to afford this payment In XX/XX/2021 I applied to refinance with my credit union as they pre approved me for a lower payment. In XXXX the branch manger at my credit union called to inform me they could not do the loan now because Amerihome reported to the credit bureaus that I was behind several months on my mortgage pmts when they should not have. I received a letter from XXXX apologizing and sorry for the inconvenience. I lost the opportunity with my credit union as a result. I contacted a FHA counselor for assistance. She tried several times to explain Im on XXXX now only receiving 60 % pay and requested a reduced payment. The counselor also contacted the attorney representing the mortgage co who also reached out to XXXX to apply my trial payments to reduce to total delinquency below XXXX so I could qualify for XXXX. AH didnt response to any requests. My FHA counselor advised I sign and take this modification knowing I couldnt afford it so the mortgage company wouldnt foreclose. They wouldnt agree to apply money I paid towards the delinquent balance but once they finalized the new loan I have a surplus in my account and the payments are more then what was stated. Current payment is now {$2000.00}.
Consumer complaint received 2022-11-04
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I did not authorize any of the below to pull my credit all bureau reported : XXXX XXXX XX/XX/XXXX equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (PA)

Never received notice to dispute. First Point Collection Resources placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2022-11-04
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 a fraudulent charge for {$1100.00} was made to my Chase credit card for an in-store pickup at a XXXX 500 miles from my home. I locked my card, disputed the charge and had my cards replaced but three weeks later Chase sent me a letter telling me I authorized the charge and put it back on my card. Chase claims to have investigated the charge but XXXX indicates that they have not been contacted regarding the matter. The information from XXXX shows that the order was placed by someone with whom I have no affiliation using a different XXXX account and email address than they have on record for me. This clearly was not researched or investigated adequately, if at all. Now the Fraud Department won't talk to me or return my calls, just get endless phone trees and unhelpful call center staff.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-11-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has made false statements and has lied to me. They have alleged they investigated my dispute and " verified '' that the disputes were accurate twice. I did not dispute based on needing verification of debt. I laid out specific laws that Transunion and those companies have violated and for TransUnion to investigate based on those laws. In my discussion with TransUnion 's chat agent who submitted my dispute, after telling her why I disputed the accounts and the associated laws I was disputing those in accordance to, I verified with her to ensure my dispute was based on what I said and she stated that she submitted it as I disputed it. A few weeks later go by and I get a missed voicemail from Transunion Telling me that my dispute was complete and the items had been deleted and XXXX was corrected to XXXX. I confirm with another agent because my credit report did not change. This agent confirms that Transunion did not go by my original dispute but investigated on other terms and reasons Transunion had established. Transunion has now falsely stated that they verified information when I did not request verification and I was lied to by the original agent who submitted my dispute. I have reached out via email to complain about these misleading practices to their Vice President of Consumer Relations XXXX XXXX twice and never heard a response from her. The executive team has now relaunched a third investigation claiming that they could not see my supporting documents. This has hurt my credit worthiness and has damaged my potential to obtain sufficient and adequate housing. It is not okay for Transunion to be deceptive when it comes to Consumers disputing items especially when they are blatantly lying about what they are basing their investigation on. If a consumer submits specific reasons for disputing inaccuracies and error Transunion should not disregard those specific reasons and come up with their own.