davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (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, and Account name 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 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 2023-05-30
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. (VA)

I contacted XXXX Equifax and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY XXXX. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX XXXX  DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

When Simple merged with BBVA on XX/XX/XXXX, I tried to set up my account multiple times. In the meantime, the Simple app was completely non functional due to the switch. So I have no way to see my money or anything. I went to register with BBVA. It originally could not find my account and to call. So then I went to the website and I saw they were having issues. Ok sure, it is the first day. I can be patient, i'll try again tomorrow. 

Tomorrow comes and I get farther through the process until I get an error saying to call as well nothing super specific. So now the third day I try and it says an account has been created with one of my accounts and to call. There have been multiple reports of this besides mine but you wait ~20 minutes on hold, call hangs up. You call the SPECIFIC number for these issues, they transfer you to a new waiting line. BBVA has openly acknowledged their failures with no solutions in place for consumers to access their online banking and therefore be able to see how our finances are. I cant pay my bills. The even more messed up part is we have no bank literally at all that can help. We cant even check our balances through old school methods because they havent fully transferred our accounts. They are holding our money though with no way to access it. This is unacceptable.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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. (CA)

My account XXXX XXXX, which is on all 3 credit bureaus, XXXX, Transunion and XXXX has been reporting incorrectly and has incorrect information. Also according to these laws I please ask you to delete this collection from all three bureaus please. Ive highlighted a lot of incorrect information. this is supposed to fall of in 4 months anyways so please delete from all three.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information is also being reported on XXXX XXXX XXXX XXXX all bureaus. please remove all 8 late payments. in violation of laws below. Thanks!

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. 16815-2 ( 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 COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I kindly ask you to remove the is collection from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payments thanks!
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2021-05-10
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: Experian Information Solutions Inc. (IA)

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX/22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX/22Lastly, during your XX/XX/XXXX22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XXXX/XXXX/22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my Experian and XXXX reports of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-04-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Consumer complaint received 2023-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (VA)

I have been using a {$40000.00} HELOC account at Flagstar Bank since XX/XX/2019, and using close to {$40000.00}. Ive been paying monthly interest until last XXXX and started depositing to reduce the debt principle since XXXX of this year. The incident occurred on the interest and principal deposit on XX/XX/XXXX, when I deposited {$5000.00} to my HELOC account and asked to pay {$290.00} per monthly interest and the remaining {$4700.00} to my principal. However, according to the transaction history, a total of four transactions were generated. 
1 ) Interest : {$290.00} ( Monthly ) 2 ) Fees : {$330.00} 3 ) Interest : {$800.00} ( Unknown ) 4 ) Principal : {$3500.00} Of these, 2 ) and 3 ) are said to have occurred by their system logic without my request.

2 ) is a {$30.00} quote fee and {$300.00} is an unpaid annual account maintenance fees for four years ( XXXX $ /year ). I did not ask to pay for the account maintenance fees, but I was able to accept it, but the fee of {$30.00} is not right. According to their web site instruction, the fee was {$0.00} for Postal Mail, and I received the quote via Postal Mail, so it should not be billed. 
3 ) was a more serious problem, even they could not explain how this interest was imposed, and they asked for modification by creating their own cases several times within them, but they were rejected for internal logic reasons. 
I have called many times since the transaction and asked for corrections on these issues, but I have not made any progress so far in two months, so I want to report it here.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America modifies due dates, asses late fees, and compounds interest in a way that should be illegal, if not already. 

Due to Bank of America modifying the date that a credit card statement is processed it is impossible to schedule a ( date ) recurring payment that assures you have a XXXX balance as of the statement date. Moreover, even if you do pick the correct date, charges that occur on that date, after the transfer of funds are carried forward. Bank of America asses interest on your account at the last possible minute but does not give you the option to pay after/just prior to this assessment. I was told over the phone this can be done, but it can not be signed up for online. 

I was charged late fees and interest totaling {$100.00} over XXXX  months, while making a payment each month for the complete balance of the card as provided by BoA, within XXXX  day of each other in calendar date. Bank of America never notified me of any interest or late fees being assessed and does not have an option to do so. They provide options to alert me on individual credit purchases over a dollar amount or checks posting, but can not alert me to late fees or interest assessed? This is an abusive banking practice and should be mandated by law. 

I was never notified the account was past due in XXXX, and only let me know after multiple days of assessing interest in XXXXXXXX XXXX  XXXX 's payment. The late fees and interest are retroactively added to the previous month 's statement so that without opening past months statements in online banking there is no way to know that interest or late fees were assessed. I was never able to find a {$39.00} late fee I was told was assessed in XXXX anywhere in their XXXX  app, which is my primary way to access banking. I only found it when viewing XXXX copies of statements from the PC. 

After calling Bank of America they offered to credit me back the {$100.00}, but said I would need to call back and pay an adjusted balance if I continued to use the card in XXXX, which does not make sense as interest should not be being compounded on purchases made prior to a closing date. Bank of America charging me daily interest on charges I am currently making is an abusive banking practice WHEN I'm not even aware my account is past due.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-14
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. (AZ)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX for over a year. The dispute keeps coming back verified when it's not. I have reached out to the creditor and asked for the original documents saying I owe the debt and they have yet to furnish it. On XX/XX/23 I faxed a letter saying to provide me with documents and proof of delivery, but instead of providing me what I asked for they mailed me a letter about another account that's not even with them. Not only are they refusing to mail me documentation, but they are also refusing to talk to me over the phone to correct the issue. The creditor also has changed the status of the account and the date of the last activity when there has been no activity.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

TRANSUNION IS VIOLATING FCRA Section 623 ( 5 ) ( A ) BECAUSE TRANSUNION RESPONDED TO MY DIPSUTE # XXXX FROM XX/XX/XXXX BY ILLEGALLY RE-AGING THIS INVALID AND DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX TRANSUNION INCORRECTLY AND ILLEGALLY REPORTED AGAIN TODAY THAT THIS ABOVE ACCOUNT WAS CHARGED OFF, THEY STATED ON MY CREDIT REPORT THAT THE CHARGE OFF DATE WAS XX/XX/XXXX SO WHY DID THEY REPORT THIS INCORRECT CHARGE OFF STATUS AGAIN TODAY XX/XX/XXXX? WHEN IT WAS SUPPOSEDLY CHARGED OFF XX/XX/XXXX? 

THIS IS THE DIRECT REPSONSE AND ACTION TRANSUNION GIVES ME TO MY ORIGINAL DISPUTE FROM XX/XX/XXXX? THEY SIMPLY REPORT THE SAME INCORRECT ACCOUNT STATUS OVER AND OVER, INSTEAD OF CONDUCTING A REQUIRED INDEPENDENT INVESTIGATION? 

WHY DOES MY CREDIT REPORT STILL SHOWS " Date updated '' - XX/XX/XXXX? 

OBVIOULSY NOTHING HAS BEEN INVESTIGATED? 

SO MANY FCRA VIOLATIONS BY TRANSUNION- THIS NEEDS TO STOP-