davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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)

I have been sending letters and reporting constantly for almost an year now and this problem has not gotten fixed, XXXX XXXX XXXX is reporting on my credit profile and all information is inaccurate even with the very first letter i received from them their information is and was inaccurate and inaccurate information reported on the credit profile should be removed immediately and not replaced back on the credit profile. 

XXXX XXXX XXXX purchased debt from XXXX XXXX XXXX XXXX, A debt that has been reported to the IRS As a complete CHARGE-OFF, i was allowed out of my lease due to harmful mold as i have all emails to prove that statement and it will be attached to this complaint, I demand XXXX XXXX XXXX To be removed from my credit report Immediately and not be placed back as they are violating several consumer laws as i stated. i have already sent letters to validate and all came back inaccurate and not within the 30 day i had given credit bureau please remove NOW.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received an XXXX  XXXX XXXX Bank of America credit card. I never applied for this card and immediately called Bank of America ( BofA ) to alert them to the fraudulent activity. As of yet, the hard inquiry associated with this card is not removed from my credit and there is a {$75.00} balance due for the card 's annual fee. This is not yet removed because BofA states they are still investigating the fraud claim. The balance is due XX/XX/XXXX. While normally, I would believe BofA would resolve this issue promptly, I have reason to worry otherwise. 

This is the second fraudulent card to our household ( same type ) with the first being in XX/XX/XXXX ( to my husband ). This was reported upon receipt of a welcome email and no card was issued, but even after 5 months, the hard inquiry is not removed from our credit. We have two letters from BofA saying that they do not believe it was fraud and will not be removing it ( dated XXXX and XX/XX/XXXX ). This is despite a XX/XX/XXXX resolution letter to a CFPB complaint on the matter ( XXXX ) and a XX/XX/XXXX letter stating it would be removed. We are past the 90 days the response stated it would take and when we spoke to XXXX on XX/XX/XXXX, they stated they have no record of the removal request and I need a letter from BofA stating that it is OK for XXXX to remove it. We finally spoke with someone at BofA on XX/XX/XXXX who said BofA has to request it and they do not know why it was not processed promptly, but would submit it to XXXX as well as sending us a copy. As of today ( XX/XX/XXXX ), we still have not received that letter. 

As of today, we are told the account is closed. We were also told that we would not be responsible for the {$75.00} charge. However, we have not received any documentation, yet that BofA agrees this account is fraudulent ( although today we were assured we would receive a letter soon ). Given our previous experience with BofA and ~100 hours of contradictory phone calls to multiple departments where no one department wants to take responsibility for processing these claims, we are concerned that this may happen again with this case.

Over the past two weeks, we have tried several times to contact the Regulatory Complaints Resolution Specialist from the CFPB complaint response ( XXXX XXXX, XXXX XXXX ) and the Executive Response Team number we received ( XXXX at XXXX XXXX ). Neither of those response numbers have returned our calls in the past 3 weeks. 

It is frustrating to have a company issue two fraudulent cards to the same last name and same address ( same card type too! ) and then make it a many-hours exercise to try to get any resolution.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, a payment was processed for {$3200.00} on our XXXX XXXX Account. This was far more than we anticipated as we thought the account was set for minimum and not interest saving. As soon as we noticed the issue, we contacted XXXX and informed the account was notated of our intent and a refund would be initiated. We were given no other information or informed that payment would be attempted again. We saw funds return to our account on the XXXX  and assumed everything was resolved.

However, we awoke today to see that the charge was attempted again leaving us with only {$150.00} in our account. In reaching out to XXXX XXXX we learned that there was no refund but that money returned to our account as it was overdrawn by the charge and that it automatically triggers another attempt. We were told that we should have reached out to our bank but we were not made aware of any additional attempts until this time. We asked if they could stop the transaction or expedite a refund to give us funds to support our household. We were told that they could not. Rather we were advised we could use our remaining line of credit until it was processed but when pressed, they would not waive interest or other fees, effectively enriching themselves off the issue.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service, Inc (OK)

I moved out of the   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX  , Oklahoma on  XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out.   XXXX   XXXX   never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this.
I was contacted by CSI   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Ok.  XXXX  sometime in  XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with  XXXX  and   XXXX    credit reports. I disputed the placement with  XXXX , and they deleted the entry. The matter remains in dispute with  XXXX .
CSI is acting in violation of the Fair Debt Collection.
Consumer complaint received 2023-02-01
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. (FL)

On XX/XX/2023, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have notified all 3 credit bureaus multiple time on the reporting of an alleged bankruptcy on my personal credit reports. 
In these letters. I provided a notarized Affidavit filed with the bankruptcy court in the state of Florida notifying them of their violation of state and federal law by providing my private information. 
I also provided a letter from the courts stating that they do not provide any filings to credit agencies. 
I also provided a testimony that I had not authorized or given consent to anyone to access my private and confidential records. 
Since these agencies did not receive this information from the courts and I myself have never given these agencies permission to report any of my personal and confidential information I demand that the alleged bankruptcy be removed from all credit reports. 
Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 a,4, Congress states that there is a need to report that credit reporting agencies exercise there grave responsibility to fairness, impartiality, and respect for the consumer 's rights to privacy.
Consumer complaint received 2023-02-15
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX 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 instructions. 

Creditor Name : US DEPT OF EDUCATION Address : XXXX XXXX XXXX XXXX TX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT OF EDXXXX Address : XXXX XXXX XXXX XXXX  XXXX, IA XXXX Amount : XXXX - {$54000.00} . XXXX - {$54000.00} EXPERIAN - {$30000.00} Dates last REPORTED : XXXX - XX/XX/XXXX EXPERIAN - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, I filed a complaint with the XXXX ( Case # XXXX ) and the CFPB ( Case # 's XXXX and XXXX ). Wells Fargo indicated in their response to that complaint, dated XX/XX/XXXX, that they had corrected the issue, and reopened the credit card they had inappropriately closed. This was the corrective action that was necessary to respond to the complaint and I did not pursue it further. On the XX/XX/XXXX, I tried to determine how to utilize my reactivated credit card for the purposes of paying my rent. After investigation, I found that my general online account access was still locked and frozen, and I had no way to access my account information. After discussions with the bank 's phone service staff, I found that the account was still closed, with one staff member indicating that it had been closed in XXXX. This would be significantly after the account was supposed to be reopened per the letter they had provided to me in the CFPB complaint. I then contacted the institution, and found that their case numbers did not include appropriate documentation of either the letter that had been provided to both the CFPB and myself regarding the complaint, and that it did not show any documentation indicating the account was supposed to be reopened. 

In addition, the original error is due to the bank maintaining inactive customer data, including personally identifiable information ( PII ), without implementing appropriate controls to protect that data or delete that data within a reasonable time horizon. The original inactive customer information is from a brief account I had with Wells Fargo after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Regulatory requirements necessitate the retention of PII data for 5 years, in most cases, and the bank should implement policies to offload that information as a data security process in line with the board 's risk tolerances/data security controls. Since I closed my accounts with Wells Fargo XXXX XXXX XXXX  Wells has had data breaches, and I am uncertain if my data was impacted. It's unlikely, but implementing appropriate time-frames for removing inactive customer data is critical given the risk environment for BIT with regards to information security.
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. (AL)

On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company XXXX XXXX are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing are threating to Foreclose on my house. On XX/XX/XXXX My husband and I took a second Loan in the amount of {$49000.00} to purchase our home, my husband who passed away in XXXX was handling the properties and stated that the second loan on all the properties during the recession the banks were forgiving it, after which we never heard from XXXX or any other bank regarding a transfer of this loan. We never received anymore payment statements or correspondence from anyone, and there was no late payments on our credit report from any bank/company regarding this loan from XXXX to present. My belief was that this loan was also forgiven along with the other properties. There was no demand payment until XXXX or XX/XX/XXXX I was contacted through the mail by Specialized Loan Servicing stating that I needed to pay them {$14000.00} and something to bring my account current or my house would go into foreclosure. I immediately called them and stated, I do not know you, I have never heard of you XXXX had this loan and this loan has been forgiven. I asked them why are you contacting me after all these years and demanding this kind of money? The Representative said we are servicing this loan now and that I had to pay the above amount plus the first months payment in the same month. I informed them that I did not have that kind of money, I am a senior citizen and on a fixed income. They started takin pictures of my house, some times twice a month and said I had to pay {$15.00} for each. From XXXX of last year through this year they said my house was flagged for foreclosure and they are waiting for a sale date. I have never received a timely evaluation notice or a Default/Foreclosure letter in the mail from them. I have never received any paperwork from a new bank/company stating that this loan has been transferred to them. SLS refused to give me any info on the company they are collecting for, and states that I would have to ask for it in writing addressed to them and they would get back with me. they made frivolous credit checks on my report, stating they have to check it from time to time, it lowered my credit score and I asked them to stop checking my credit. I had to research a number for XXXX, I was unable to speak to a person but I left a message asking someone to call me.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-14
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. (PA)

I have disputed XXXX XXXX XXXX on my equifax/XXXX/XXXX  report a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have equifax/XXXX/XXXX  to show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

XXXX continues to use malicious practices against me. I ask for transaction history only to be removed to XXXX balance from my credit report as the FCRA says I can because that is illegal not for my credit card account to be deleted and they deleted my whole credit report when they previously put XXXX  loans and mortgage on there thats never even been mine who permissible purposes, that reporting transaction is illegal not the removal of my account in full and the rest of my accounts now I dont have a any accounts or I dont have a XXXX XXXX and why has XXXX XXXX and all of my other things been removed I never requested that. XXXX XXXX has also been removed from Experian and XXXX as well this is not what I ask for and the law doesnt require me to have the full amount removed but only the transaction balance
Consumer complaint received 2020-12-14
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. (PA)

I have disputed XXXX XXXX XXXX on my XX/XX/XXXX/transunion/XX/XX/XXXXreport a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XX/XX/XXXX/transunion/XX/XX/XXXXto show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Midland Funding is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. 

They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. 

They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. 

XXXX has no reason to disqualify my account from the settlement and deny removal. 

Please see attachments
Consumer complaint received 2020-12-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

I have multiple times over the years asked Navient, my student loan company, about refinancing to qualify for the public service loan forgiveness. It is difficult to understand why the requirements are in place the prevent me to qualify. I have diligently paid my student loans now for nearly 20 years. I have worked in XXXX XXXX, with the state of XXXX, for nearly that long. They should allow me to qualify, but refuse.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

It appears XXXX XXXXXXXX XXXX has erroneously marked my account as 60 days past due, despite it being current. XXXX XXXX XXXX policy does not include grace periods for payment, and any payment after the due date by XXXX incurs a late fee. Additionally, although they offer payment protection for job loss, they have not applied it to my account.