davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject : Request for Removal of Unauthorized Late Payments in Accordance with Applicable Laws Dear [ CFPB AND CREDIT BUREAUS ] Customer Service, I hope this letter finds you well. I am writing to bring to your attention a matter that requires immediate resolution. I have recently discovered unauthorized late payments on my account, which I believe are in violation of the four laws established to protect consumers ' rights. 

The unauthorized late payments in question occurred and I would like to request their immediate removal from my account in accordance with the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This legislation ensures the accuracy, fairness, and privacy of information reported by credit reporting agencies. The unauthorized late payments are inaccurately reflecting on my credit report and must be rectified promptly. 

2. Fair Debt Collection Practices Act ( FDCPA ) : As a consumer, I am entitled to fair treatment by debt collectors. The unauthorized late payments were not authorized by me and should not have been reported to any credit bureaus. 

3. Truth in Lending Act ( TILA ) : This act provides protection to consumers in credit transactions by requiring clear disclosure of terms and costs. The unauthorized late payments were not disclosed or agreed upon in any contractual agreement. 

4. Electronic Fund Transfer Act ( EFTA ) : This act safeguards consumers in electronic fund transfers, including unauthorized transactions. The late payments were not authorized by me and therefore should be considered unauthorized electronic transfers. 

I kindly request that you investigate this matter and take the necessary steps to remove the unauthorized late payments from my account and correct any negative impact on my credit score as a result of these inaccuracies. I expect a written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter. 

If necessary, I am prepared to take further action to protect my rights under the aforementioned laws. I hope we can resolve this matter amicably and promptly. 

Please feel free to contact me at [ Phone Number ] or [ Email Address ] to discuss this matter further or to provide any additional information you may require. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have three Fruad accounts on my credit report. I have attached a FTC report and my current lease. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX XXXX XXXX ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-09-27
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-04
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NJ)

I am filing my complaint against, PHH Mortgage Servuces who has aggressively sought out ways to force these fees on borrowers, by attempting to make borrowers amend their mortgage agreements in such a way as to enshrine fees each time the borrower is not offered methods outlined in original note but rather forcing browser to elects to pay in specificed method beneficial to PHH further the borrowers original note agreement for the duration of the mortgage agreement is being drastically affected. PHH is wrongfully denying hardship assistance and modification programs in an attempt to wrongfully foreclose on properties and further failing to update records, supply requested documents and accounts of transactions history and charging inflated fee, rate to accounts this company has multiple class actions lawsuits filed against them and engage in attempting to have the customer meet standards they are illegally inforcing and not in compliance with original terms of loan further i am denied after signing my legal government name which PHH is unwilling to acknowledge, the name used at time of initial loan application
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023 I received an email saying that my bonus reward of {$200.00} was applied to my account ending in XXXX. I believe this was the advertised promotion of {$200.00} applied once you spend XXXX  on your new credit card. I never received the credit. 

The email is attached and said : Bank of America. 

Your bonus reward has been applied to your account Credit card ending in XXXX Your bonus reward of {$200.00} has been applied to your account. Your award will appear on your monthly billing statement. Refer to your rewards program rules for redemption timing and options. 
Keep using your card for purchases in store and online, and continue earning base rewards. 
You can review additional details about your account in Mobile or Online Banking.
Consumer complaint received 2018-04-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA Savings Bank account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with USAA bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, FlaXXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to XXXX, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received XXXX 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I requested that the private loans that are related to loans to attend XXXX XXXX XXXX be discharged because the school was found to be defrauding students before the school 's closure and that my federal loans relating to XXXX XXXX XXXX were being discharged, so my private loans should be as well.
Consumer complaint received 2023-09-27
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX, 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 2023-11-06
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: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-25
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-11-06
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services, money, and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This has caused me much suffrage and is a defamation of my character.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; 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 2023-11-09
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. (TX)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX 'S XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; 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 2023-05-22
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. (SC)

The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (CA)

As of XX/XX/year>, I owe a reinstatement balance of {$93000.00} on my account with Foreclosure sale date set on XX/XX/year>. In an effort to bring my account current, I applied for assistance through the XXXX XXXX XXXX XXXX, which can provide up to {$80000.00} in assistance for past-due payments. However, to qualify for this program, my total balance must be below {$80000.00}. 

To achieve this, I contacted Shellpoint to request permission to make a partial payment that would reduce my total balance below the {$80000.00} threshold. Unfortunately, my request was declined, and I was informed that Shellpoint would only accept a lump sum payment of {$93000.00}. 

Furthermore, when the XXXX XXXX XXXX XXXX requested a full reinstatement balance, Shellpoint provided a significantly different amount of {$100000.00}. When I pressed for a correct quote, Shellpoint provided yet another amount of {$99000.00}, valid through XX/XX/year>. It is deeply concerning that within a span of just five days, from XX/XX/year>, to XX/XX/year>, my reinstatement balance jumped from {$93000.00} to {$99000.00}. 

I believe that Shellpoint is intentionally hindering my efforts to bring my account current by refusing to accept a partial payment and by providing inconsistent and inflated reinstatement balances. This conduct suggests an unwillingness to work with me in good faith and a desire to push my property into foreclosure.
Consumer complaint received 2023-06-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

bank america closed my account without notice on XX/XX/2023. and did not return XXXX dollars. I tried to resolve the issue with the bank, but they told me that they cant return the money without giving a reason! this is my companys account and I have to pay taxes, but I cant because the bank does not return the money
Consumer complaint received 2022-10-25
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)

I am an Consumer and Ive notice a few Consumer Violations on my Consumer report that I would like remove. Attached you will find a copy of said Violations on my report.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (FL)

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}XXXX XXXX XXXXXXXX XXXX Balance : {$440.00}