davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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: DISCOVER BANK (IA)

Covid hit and I ended up switching jobs, so I could no longer afford my credit card bills. I reached out to Discover, who offered me a year of hardship program and I took it, then paid down quite a bit. The hardship was only for a year, but I later found out they have a 60 % hardship for 60 month program that I was not offered. I could no longer afford the minimum payment, so I closed the account and they charged me a bit over XXXX dollars in fees and other charges. I have now been served papers by XXXX XXXX XXXX, out of Minnesota, and they are taking me to court if I do not respond within 20 days. I am a teacher and do not make much money as I am in the beginning stages of my career. I offered them a lump sum and the supervisor stated he would not accept it nor offer the settlement to the client the firm is representing.
Consumer complaint received 2023-01-23
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX : Account number # 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 XXXX 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 2023-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (MI)

I was offered a BP master card gas card with a {$5000.00} credit line. I put a {$1500.00} deposit down to secure this line of credit. I received the card and began using it. I entered my bank information on the website to make my first payment. The first payment was made successfully. 

Then, on XX/XX/2022 my card was declined and I called to ask why. They assured me it was active and that it was working. I went to the gas station and it got declined again. I have tried to use the card many more times and it gets declined every time as shown in transaction history. I have called and talked to customer service and my account rep and they assured me that it is working, but it is simply not working. 

My next invoice became due and I scheduled my payment using the same account I used for my first payment that was saved on the website. This time the payment did not go through for some reason. I checked with my bank and they say that they show no such transaction and there is no reason the payment wouldn't go through. 

I called customer service and again and they reprocessed the transaction. This time it was successful but I was told that it was considered a late payment and that my account would be frozen for a week. I said that my account has not worked for over a month and they said it will work after a week. It still does not work. 

I have included the many emails I have sent to my account rep with no response. 

I just got off the phone today with customer service and they said well your account has is not active so thats the reason it is not working. I am not able to help you though. 

I am past the point of frustration and
Consumer complaint received 2022-11-15
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. (CA)

Hello CFPB I'm seeking your help in a matter of a complaint I have with Trans Union Credit Bureau. I first contacted them in regards to not having my XXXX home & the property it sits on, listed on my credit report. I told the gentleman that I had documents proving my ownership. He told me to mail them to them, which I did. I received a letter back from them, telling me they added a XXXX temporary statement on my credit report, indicating that the consumer is deceased. They want me to provide a copy of a government issued death certificate & include a copy of a valid Executor of estate document which authorizes me as a person entitled to manage the deceased affairs. Really!!! 

They are referring to my late husband that passed away in XXXX. We both were originally on the home loan, as joint tenants, & when one spouse passes away XXXX bound, it then automatically becomes the remaining spouses name only on all ownership documents. All the properties are now in my name only. My husbands name is no longer on them. The property Taxes they send to me every year, are in my name only. I sent them all the proven documents with my name. On the documents I sent some were the original from when my husband was still alive & has his name also. I have put my estate in a XXXX trust for my surviving son. Is XXXX XXXX. I pray that you can resolve this, in my favor, & will be added to my credit report. Thank you, Blessings. XXXX XXXX Mailed documents to Tans Union 7they received them on XX/XX/XXXX. Had countless phone conversations with them, there after. Transferred me from one dept. to another. Contacted FTC they referred me to you, so here I am. Thank you, Blessings
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AL)

I just looked over my credit record and saw several instances of 15 U.S. Code 1666 billing irregularities. ( b ) Incorrect billing ( 4 ) The creditor 's inability to accurately record on a statement an amount paid by the debtor or a credit granted to them.

( 5 ) A computation error or other comparable accounting inaccuracy on a statement made by the creditor. 

There shouldn't be any late payments on this account because, as far as I'm aware, the creditor failed to send me a statement 21 days in advance. Since this was obviously a billing error, I demand to see concrete evidence from the creditor 's bank account proving that I was tagged late and failed to pay. 

According to my consumer report, every item listed below should be amended to paid as agreed. 
Account # XXXX XX/XX/2024 XX/XX/2024 XXXX
Consumer complaint received 2024-04-24
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: Gurstel Law Firm, P.C. (IA)

Covid hit and I ended up switching jobs, so I could no longer afford my credit card bills. I reached out to XXXX, who offered me a year of hardship program and I took it, then paid down quite a bit. The hardship was only for a year, but I later found out they have a 60 % hardship for 60 month program that I was not offered. I could no longer afford the minimum payment, so I closed the account and they charged me a bit over XXXX dollars in fees and other charges. I have now been served papers by Gurstel Law Firm, out of Minnesota, and they are taking me to court if I do not respond within 20 days. I am a XXXX  and do not make much money as I am in the beginning stages of my career. I offered them a lump sum and the supervisor stated he would not accept it nor offer the settlement to the client the firm is representing.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-11-20
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. (MO)

Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are inaccurate. 
I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within 3 days from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phillips & Cohen Associates, Ltd. (NV)

CFPB, Get these panhandling frauds out of my inboxes. XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices. 

XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2022-11-25
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX 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.
Consumer complaint received 2023-08-03
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: MoneyLion Inc. (TX)

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted MoneyLion ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to MoneyLion on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to MoneyLion on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to MoneyLion XX/XX/2023 ). As of today, MoneyLion has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2022-11-21
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. (AL)

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. 

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX  # XXXX Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : 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 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX last year. XXXX XXXX XXXX didnt renew my homeowners insurance.Reason my roofs 20 years, insurance want me to replace new roofs but I cant afforded, because XXXX XXXXIt took me almost a month to find XXXXa fair plan property insurance to coverage my home insurance.Its went effective on XXXX XXXXwhile its had been overlap period of XXXX no insurance cover.My Mortgage sent me a escrow insurance bill for XXXX dollars and I contact customer service to pay my XXXX dollars overlap.on XX/XX/XXXX XXXXFreedom mortgage company sent me a statement said : we have safeguards in place to ensure there is enough money in your account to cover your homeowners insurance.but not taxes because I pay separately.FM insurance said base on our recent analysis, you have a shortage of {$510.00} in your escrow account.This shortage likely was caused by changes insurance, a shortage may also result in full monthly escrow payments have not been made to your account.We will automatically spread the shortage amount over 12 months of future monthly escrow payments. Thisll be reflected as an increase to your monthly mortgage payment.My current payment amount is XXXX and the New payment will be ) XXXX Effective date XXXX tried to contact FM mortgage customer service couple times to remove or exclude escrow account out and resolve this issues problem, but I was denied.Thank you very much for give me a chance to writing about this difficult problems. Sincerely yours : XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I XXXX XXXX, have noticed that there is information on my consumer report that is a result of identity theft. I did not authorize nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on a basis of a material misrepresentation of fact by me relevant to the request to block then identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date oof the receipt of this notice. I look forward to your response. 

Thank you! 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-06
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)

I am a natural person, I am a living human b

eing, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The first company XXXXXXXX XXXX XXXXXXXX reporting XXXX. XXXX  account that is not mine. Second one is XXXX receivables. XXXX home health care account. Not mine, XXXX XXXX XXXX  are row property management. Those accounts are not mine and they are reading and collection. There are multiple accounts on all XXXX of my credit reports that are not my accounts. I have tried repeatedly to get these removed. And they will not do it. They keep verifying them as mine. I need your help. And I don't know how to go about it. But your help is greatly appreciated. All XXXX credit bureau 's are reporting these bad collections on my report and stopping me from getting a home.