davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XX/XX/21 As follow-up to identity theft, I began checking credit reports per FTC instructions. XXXX provided the credit report plus a free credit score which I understand is available free yearly. 

XX/XX/21 Continued with XXXX and had the same positive experience. 

Later, went to TransUnion site. Got free credit report then clicked on the large button for getting credit score. This then required giving bank card info which seemed suspect to me, but since there was no listing of a price, I figured I would be offered some sort of upgrade after I got the score. 

I was appalled to learn that I had just signed up for a subscription product and had already been charged {$24.00}. I cancelled the subscription and called customer service to request a refund. A very polite customer service rep verified that I had indeed cancelled my subscription for the future but it was not possible to refund the {$24.00}. She reassured me that I could continue to access my information for the next 30 days. 

Its appalling that a company with access to so much of my personal information and to which I am referred for help with identity theft would engage in such a deceiving practice. They are preying on the vulnerable. 

I see there have been complaints in the past, and thank you for all you at CFPB do to help monitor the industry.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (NC)

Radius Global XXXX are unlawfully reporting derogatory information on my credit report without proper authorization for {$2900.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. Radius Global XXXX has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third party debt agency and I will also be filing other federal and state complaints against Radius Global XXXX. I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Consumer complaint received 2024-09-19
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: LEXISNEXIS (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.

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 2024-09-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CT)

i have been getting collection calls about a XXXX XXXX some say is {$680.00} some say its {$350.00} -- I even got an email for over XXXX for a couple years and gave information several times that is not the balance owed if I owed anything and XXXX XXXX who I believe is the XXXX company to contact me and still never take the time to correct the balance which they are reporting to the credit bureaus. I filed a dispute through XXXX and they responded in record time lying saying the balance was verified. I emailed them on XX/XX/year> requesting the actual bill or a copy of any documentation about the bill and they have not responded at all. I am simply asking for the proof of the balance that is affecting my XXXX XXXX. in the past when i asked for the corrected balance they never provided it they would just have someone call me back with a settlement offer. I will not settle until they provide documentation and proof of the balance.
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: EQUIFAX, 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.

The letters are stated with items and issues. 

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 2021-04-02
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: NAVY FEDERAL CREDIT UNION (ID)

In mid-XXXX, my husband and I submitted an online application to Navy Federal Credit Union to refinance our mortgage. Part of the application process was to agree to pay for them to make an inquiry on our credit, which we and they did, and the inquiry was reported by XXXX on XX/XX/XXXX. However, they made a second inquiry without our consent ; it was reported by XXXX  on XX/XX/XXXX. On XX/XX/XXXX, when I noticed the second inquiry, I contacted ( via email ) the loan officer and loan processor who had been helping us ( XXXX XXXX and XXXX XXXX, respectively ), but neither responded to me. 

Ours was what I assume to be an unusual situation, where our original application somehow got " deleted '' ( I'm not sure how, it didn't happen on our end ) and our information was then re-entered ( by NFCU ) on a new application with a new number. ( Our original loan application # was XXXX, and the second # was XXXX ). Mistakes were made when they entered the information for the second application, one of which included them increasing our requested amount by {$100000.00}. I noticed this immediately and contacted them about it, and pointed out other inconsistencies where necessary, because they had already sent us new disclosures with the incorrect information included. They eventually got the information on the second application corrected, but we ended up not refinancing with them because the interest rate offered was much higher than expected. 

When I contacted XXXX XXXX via email ) on XX/XX/XXXX after noticing the mistakes and high interest rate listed in the second application, she replied, " The reason for the rate is there was no credit report inside this application, I was able to pull the credit report from the other application, as soon as I find out what product you want ARM or FIXED, I can send out new disclosures. '' Given this response ( and the fact that I'd already stated several times we wanted a fixed rate loan ), I'm assuming that the second credit inquiry was made because when they set up the second application for us ( after somehow deleting our first application and then entering some incorrect information on the second ), the information from our initial credit inquiries wasn't transferred over, at least not initially. 

It seems to me that not allowing customers to proceed with loan applications without agreeing to and paying for a credit inquiry is a good control that should prevent unauthorized and/or duplicate credit inquiries, but as I understand it from NFCU, what happened with our accidentally-deleted application was unusual for them. I understand they're extremely busy right now and was patient throughout the process, even after all the errors ; however, our credit should not have been run a second time due to their mistake.
Consumer complaint received 2022-11-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

This is in response to my previous complaint which was not addressed. 
XXXX Instead, they seek to delay the resolution. Inevitable resolution of dismissing the debt. 

Requesting information provided time and time again on phone calls with Synchrony Bank, detailed in prior complaints to the CFPB. 

We are actively publishing all of these complaints in pursuit of a class action suit. 

Additionally repeated continuous calls throughout the day and week, filling up my Voice mailbox are unacceptable. Until Synchrony fully addresses the problem, they should stop harassing me and remove the debt from all of my credit reports.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX. XXXX - XXXX
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

SLS did not send me the tax form for the 2020 tax year. I also had trouble logging into my account online. I contacted SLS and they would not help me without me providing the last 4 of my SS #, and I will not do that over a cell phone. I submitted complaints through the XXXX. SLS then sent my personal tax document to the XXXX, rather than sending it to me personally. XXXX did not need to see my tax form. THe form had alot of the personal information on it. It is a breach of security for them to send it to the XXXX without my knowledge or consent! Action needs to be taken to for them intentionally sending my personal tax document to the XXXX. It is unethical, unprofessional, and very dangerous to me for them to take this action. I need the CFPB to step in to help deal with the behavior of SLS!!!
Consumer complaint received 2021-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

XXXX  is not helping the consumer and is allowing these collection agencies to place fraudulent accounts on my file. on XX/XX/2021 I submitted dispute Confirmation number : XXXX with a due date of XX/XX/2021 for an account that is not verified as belonging to me, and the collection agency MERCHANTS CREDIT GUIDE would not provide a copy of the executed contract as requested prior to filing the dispute with the credit bureau.MERCHANTS CREDIT GUIDE did not provide the requested verification documents within 30 days therefore XX/XX/XXXX deleted the account from my file. However, on XX/XX/2021, MERCHANTS CREDIT GUIDE somehow resubmitted the same exact account to my file as a duplicate for approximately 5 days (XX/XX/2021-XX/XX/2021 ) at which time XXXX removed the original disputed item sent XX/XX/2021 which violates guidelines to have the same collections account on my file twice at the same time. I called XXXX to ask how's this possible and was refused to speak to a supervisor after the agent stated he can not expedite the deletions request, he can only resubmit the dispute of the new account and allow another 30 days for MERCHANTS CREDIT GUIDE to respond. This now allows the collection agency a total of 60 days to provide proof of account instead of the given 30 days. Again, the collections agency has refused to provide an executed contract and validation of ownership of this account. XXXX  has opened a new dispute today XX/XX/2021 Confirmation number : XXXX for the same exact item I disputed over 30 days ago. This should be removed immediately and case closed. However XXXX  is not willing to help the consumer, only the collection agency and this isn't fair to me as a consumer.
Consumer complaint received 2021-03-13
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. (TX)

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXXXXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

The debt was pursued by XXXX XXXXXXXX in XXXX ( XXXX ) in XXXX, FL in Circuit Court. The debt was dismissed on XX/XX/XXXX. LVNV Funding has been alerted that the debt was dismissed but refuses to remove it as a collection account from my credit report. I need your help.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (CA)

I have automatic payments enabled from my Wells Fargo checking account to my Wells Fargo Visa credit card for the minimum balance due each statement period. These minimum payments are enabled to prevent me from missing a payment. 

When I logged onto my online account on XX/XX/XXXX, I saw a banner indicating that my payment was late and to make payment as soon as possible and that my payment was due on XX/XX/XXXX. It should be impossible for me to make a late payment because I have automatic payments enabled. 

Wells Fargo posted my transaction late, despite prior payment instructions, in order to penalize me for late payments.
Consumer complaint received 2021-03-13
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: EQUIFAX, INC. (NV)

I have sent in numerous times to have this information blocked and this company continues to report this harmful information on my credit report Ive sent in my identity theft report as Ive stated I dont know who this information belongs too. I have been a victim of the equifax data breach. This information is not allowing me or family to be able to move on both bureaus removed this information except exquifax. They have also made it to where I can call in an report the inaccuracies or even state my behalf I feel this is not fair. 
XXXXXXXX XXXX collections Should not be able to do this to me According to facts 605B these items must be be blocked until the investigation is completed by the FTC Ive filled a civil Litigation against exquifax for Unauthorized and fraudulent accounts on my consumer report. I have also filed complaint with the cfpb as I await my court date for deceptive practices by this credit bureau
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I tried to get my credit report from Equifax on XX/XX/XXXX online. I received back a message that they were not able to send it on line and I needed to call. I called and talked to two different representatives. I gave them extra information that they requested. They assured me there was not a problem with my Credit score and that they had looked at it. They then asked for further information which I provided. They then said they would send the credit report by mail and I would receive it within 7 to10 days. I received onXX/XX/XXXXand XX/XX/XXXX letters with a XX/XX/2021 date : each with a form I was requested to send back in order to get my Credit report. No Credit Report was included! The letter and form had the title " XXXX '' with address to send to at XXXX. XXXX XXXX XXXX GA XXXX. The " XXXX XXXX XXXX  Request Form '' asset that it be sent to XXXX XXXX XXXX  Request Service. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
This to me is an unacceptable response to a simple request for an annual credit report. Is there some scam involved? I need to know!!