davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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)

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 XXXX USC 1681.

has violated my rights. Or list of inquiries 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 2023-08-02
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. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has been and currently is reporting a closed/old account as an open/newer account on my credit report. This account was opened in XXXX and was closed in XXXX. Portfolio Recovery is reporting that this account was opened on XX/XX/XXXX and shows that the account status as " open '' on my credit report. 

At first I thought it was fraud because of the dates they have listed on my credit report along with the " open '' status so I disputed it as fraud. Once the credit bureaus declined my dispute, I looked further into it and realized that it is my old XXXX XXXX ( XXXXXXXX XXXX XXXX credit card account that is being reported as a newer opened account. I continued to dispute Portfolio Recovery on my credit report for incorrect dates and it keeps getting denied. 

I called XXXXXXXX XXXX  directly and they told me they no longer have any information on this account and that I need to contact the debt collector to obtain information/documentation. 

I called Portfolio Recovery Associates and asked for any documentation showing the original opened date for this account and I was told they do not have such documentation and that they can not send me the original account information showing when the account was actually opened even though they confirmed to me on the phone that the account was in fact opened in XXXX and closed in XXXX. 

I then contacted Portfolio Recovery Associates a second time by email and asked them for my disclosure file. I also specifically asked them for the date the account was opened and the date of delinquency. Portfolio Recovery has not responded to my email. They refuse to give me this information in writing, they will only confirm the dates verbally over the phone so I do not have proof/confirmation of the true account information. 

I need help. I have attempted every avenue to get this information from Portfolio Recovery and to correct my credit report.
Consumer complaint received 2024-04-02
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 OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-06-02
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: Self Financial Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2022-12-09
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. (WI)

In Accordance with The Fair Credit Reporting Act Bankruptcy XXXX XXXX account number XXXX, has violated My Rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MN)

I am writing to file a complaint against Ability Recovery Services LLC regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to Ability Recovery Services LLC. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, Ability Recovery Services LLC has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt.

I firmly believe that Ability Recovery Services LLC has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I recently asked Bank of America to close my Checking Account and I received two different account closure statements in the mail. 

One was my original account ( XXXX XXXX XXXX  XXXX ) with the accurate transactions. 

The other also had my name, my current address, and it was an account # I was not familiar with, and an account type I had never opened XXXX XXXX  XXXX XXXX XXXXXXXX ), with multiple transactions to varying people I didn't recognize.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

It's a bit of story, but back in XXXX I disputed a charge with Chase Bank on my Freedom Flex Card. They lodged it as a fraud rather than a dispute. Then they decided the fraud wasn't valid so they've now decided to reverse the temporary credit they gave me. They appear to have no way lodge a dispute. I tried through the mobile app, the website, and calling them. When I called them they said I needed to upload a letter ( can't upload a letter without a claim number ), called them back they said to do it as a secure message ( can't lodge dispute as a secure message according to their website ), website says it should be under the credit card itself on the website ( it isn't their is only a place to track disputes, not lodge them ). So, anyway I'm turning to you in the hopes to resolve this issue. All of this is regarding the following charge : XXXX XX/XX/2023 for {$400.00} Posted on the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (NY)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Consumer complaint received 2023-06-02
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: Kikoff Inc. (CA)

I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2023 I advised Capital One charges made to my account were not authorized. I filed a fraud report 15mins after receiving fraud alert. All charges were reported as fraud. Additional charges were declined at my request. My fraud claim was denied. Capital One did not honor my statements or documents I received showing fraud claim was made immediately. I never received items. Items were purchased fraudulent outside of the country.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to XXXX XXXX XXXX XXXX. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, XXXX XXXX XXXX XXXX has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt. 

I firmly believe that XXXX XXXX XXXX XXXX has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (CA)

So my identity was stolen someone took out a fraudulent loan under my information with Rocket loan company. I reported it to the police and the fbi I mailed the report to rocket loan and called them. They refuse to clear the name and still demand I pay them when I didnt authorize the loan or them to access my bank or social. They do not help me and I have no option but to look into legal options.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NY)

My car was repossessed in XXXX of XXXX after I was only behind and my monthly payment was somewhere in {$500.00} and I've always been behind because they at Wells Fargo denied my request to change payment because I was paid twice a month. I submitted at least three to four requests to change payment due date over the course of this loan that started in XXXX. They did not allow me covid relief when my payment was late by {$500.00} for the month not including late fees and interest they repossessed me and they should not have recessed me over {$500.00} for the month because it was common for me to pay in two installments over the month and I had called requesting that relief due to a change in circumstances and I was denied help by Wells Fargo. They sold my car for {$750.00} and they are refusing to give me a settlement price. Also at time of repossession I was never told that my car would be sold that month by any source. I lost at least {$200.00} worth of personal possessions that was in my car that the impound dealership or wherever my car went refused to let me know how to get my things. Wells Fargo will not reimburse me for my things or even hear that I lost {$200.00} worth of personal property including a tackle box from XXXX with my grandfather 's fishing equipment in it that may or may not have been worth a lot at auction but I know it was worth a lot to me. I continue to call and ask for a settlement price after they sold my car and they are refusing to give me a settlement price which I know my rights are to have that ability.
Consumer complaint received 2023-08-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (MD)

Received copy of Certificate of Service of Plaintiffs Post-Judgement Discovery Request to Defendant, filed in a MD District Court, without my prior knowledge of this or any previous judgements. This company appears to have deceptively and /or falsely filed court papers, in an attempt to extort or obtain money through questionable legal maneuvers for a long-expired debt ( 10+ years, as I can best tell ). This notice was sent in plain white envelope with nothing outside to indicate it contained a legal document or any proof of delivery required, appearing to be just a random piece of mail. This seems to be part of the companys tactics, so that important documents go unnoticed and/or not received at all, giving them justification to proceed with additional court filings, which are dubious if not deceptive. They have also reported to the court of serving such legal papers which were never received.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MT)

I have been requesting cancellation of private mortgage insurance for the past four years. I have contacted Nationstar/Mr. Cooper many times asking for this to no avail. They sent an appraiser out in XX/XX/2017 and I have still not heard anything back. I contacted them following this appraisal and they claimed that they never did an appraisal. I am above 80 % loan to value and have been for years. I am requesting they refund this premium back to the original request date and cancel this coverage. 

I appreciate you help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-02
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: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a credit may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-16
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. (TX)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2018-10-12
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. (NC)

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.