davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (FL)

My name is 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 2023-02-24
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF PEM XX/XX/XXXX
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB team, On XX/XX/2022, I placed an order through the merchant " XXXX ''. The amount I got charged for was {$930.00}. On the date of expected delivery, I did not receive anything. I understand that sometimes deliveries get delayed, so I waited over the weekend as well as 2 more business days. I still did not receive anything. So I contacted XXXX through their live chat and expressed my concerns. A few minutes following the online chat, I got an email notifying my my account got banned and I will no longer be able to return any past purchases. On the same day, the product finally came, but since it came so late, I did not need it anymore. I then contacted my credit card company Capital One informing them the issue. They are requiring me to provide an invoice from XXXX, but I've explained the issue that XXXX has banned my account and I've tried to contact XXXX multiple times to get the invoice but they are not willing to cooperate with me in providing that, and since my account is banned I can not get the invoice/reciept on my own. And Capital One has said that without that reciept they won't be able to help me. And not I am turning for you guys for help because I have no control over the situation and it's very frustrating. All I want to do is to be able to return the product I purchased.
Consumer complaint received 2022-09-28
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. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-24
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. (NY)

15. USC 1681 Section 602 A. States that I have a right to privacy. 

XXXX -ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION XXXX # 5341**** 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 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15. USC 1681 N. Civil Liability for willful non-compliance. 
Any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.
Consumer complaint received 2018-06-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Still missing XX/XX/XXXX XXXX interest paid statement. I have been requesting by phone since XX/XX/XXXXXXXX. XXXX/Northstar advises that is being sent but nothing is ever received. They have supplied a XXXX XXXX but we are still missing the final XX/XX/XXXXXXXX.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

Upstart loan was paid off in full in XXXX of 2022 but it still showing on my XXXX credit report as active with an open balance of {$1300.00}. 

My account on Upstart is showing that the loan has been paid in full, but this hasnt been reported to XXXX XXXX properly.
Consumer complaint received 2022-09-06
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. (FL)

On XXXX XXXX I called XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a paid off a debt in the amount of {$180.00} on XX/XX/2022. XXXX i had my credit pulled for a loan and it stated that the balance is still unpaid. i did a dispute and it still came back as unpaid i contacted XXXXXXXX XXXX and the stated it was reported to Equifax on XXXX XXXX i was given a control number of XXXX to give to Equifax When i called equifax i was given the run around i called the collection agency back who then sent me a letter stating it was paid. i called Equifax back no one would listed i paid the account 4 months ago yet i can not get an update on my credit
Consumer complaint received 2023-02-24
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. (SC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (KY)

Im supposed to have {$620.00} in my XXXX XXXX account but XXXX XXXX people are not being helpful on transferring my money into my card ending in XXXX because I have recently received a refund from XXXX and XXXX XXXX had temporarily activated my old debt card ending in XXXX but now that I got the refund back to that card they deactivated and only kept my current card I use activated but now the funds are not in my XXXX XXXX account its missing so I need them to transfer the funds but theyre taking too long to respond and do anything about it
Consumer complaint received 2023-03-06
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. (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. 
XXXXXXXX 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAPITAL ONE XXXX, and CAPITAL ONE XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (FL)

I've been receiving notifications from XXXX XXXX regarding the status of my properties, inquiring if they are vacant or abandoned. To clarify, these properties are not abandoned, and I am actively engaged in maintenance efforts. I urgently request XXXX XXXX to cease entering the homes, changing locks, and causing distress to my tenants. 

Despite previous requests, XXXX XXXX continues to issue notices, adversely affecting our ability to rent the properties and causing problems with existing tenants. It is imperative that these actions cease immediately. 

I want to emphasize that I am the owner of these properties and have been consistently making mortgage payments. Currently, all properties are undergoing remodeling, renovation, and repairs due to damages sustained during last year 's hurricanes ( 2022 ). These efforts have been funded out of pocket, as assistance from insurance companies and Mr. Cooper has not materialized. 

For your reference, the property in question is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, with the loan number XXXX.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TX)

XX/XX/2022 my XXXX XXXX XXXX was activated and ready for use. 

XX/XX/2022 I inquired about my card being declined, later signed onto the account portal and saw that my card balance was reported as $ XXXX. I immediately reached out to support, and received several contradicting inconsistent answers from different support members. One said that my address is not able to be verified and I'd need to submit additional documentation to verify Business operations. I've already submitted an update address form three times prior to receiving the card because they sent the initial card to the wrong address. Another support member said the negative balance is what is available on the card for spending. Then another support member said they can not do anything and, " take it up '' with account verification and submit verification documents once more. 

My card balance as of XX/XX/2022 now states $ XXXX and still no explanation, or contact by support. I warned them that I will submit complaints to legal authorities if my personal or business credit is negatively impacted by their misreporting, and deceptive business practices.
Consumer complaint received 2023-03-06
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. (GA)

I am stressed and displeased that I see there are fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a breach some months ago so I thought you all would protect my consumer report. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now for me and my family. Upon looking at my report, I see that a 3rd party company has my information. For you to sell my information is FRAUD and neglectful on your behalf. You all can get sued for these damages. This is negatively effecting my livelihood. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ive tried requesting my credit report multiple times from Transunion through annualcreditreport.com. The electronic version never works so I requested it be mailed to me and I never received it
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

This is in reference to complaint XXXX. I asked someone to call me from American Express. I received a call from American Express on XX/XX/XXXX. I could not talk at the time, because I was at work. I received a voice message from a AE representative advising that they are from American Express and to call the phone number that is located on the back of my AE credit card. I called the number on the back of my AE credit card when I was on my lunch break and the person I talked to could not help me or answer any of my questions. I told him that I work Monday through Friday from XXXX XXXX. to XXXX XXXX. He said that someone would call me back to setup a time. I received a phone call today ( XX/XX/XXXX ) and I could not talk at the time they called, because I was at work. They closed the complaint since I did not answer. I NEED SOMEONE FROM XXXX BENEFITS DEPARTMENT TO CALL ME TO SETUP A TIME TO TALK.
Consumer complaint received 2023-06-28
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 2017-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

On XXXX/XXXX/XXXX I checked my report to see that this company has destroyed my credit report for a debt that I am not liable for. I hold " NO CONTRACT '' for the alleged debt that this company is attempting to collect.
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial (UT)

Consumer Review Title : Warning : Unlawful Credit Practices at Koalafi I regret to share my recent negative experience with Koalafi, based at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT, as they have significantly violated the Fair Credit Reporting Act ( FCRA ). 

During a recent credit application process, Koalafi denied my request for credit. This, in itself, is not the issue. The problem lies in their failure to provide specific reasons for this denial. Such behavior is a direct violation of the FCRA, specifically 15 U.S.C. 1681m ( a ), a law designed to ensure transparency and fair play in credit dealings.

The FCRA clearly mandates that if a credit application is denied, or if the terms offered are less favorable than those typically provided, the creditor ( in this case, Koalafi ) must offer clear, comprehensible reasons for their decision. Unfortunately, I received a simple notice of denial with no explanation whatsoever. This leaves me, and potentially other consumers, without any understanding or guidance on how to improve our credit standing with them in the future.

In response, I requested Koalafi to : Provide me with specific reasons for the denial of my credit application, as per the FCRA.

Confirm that they've implemented necessary processes to comply with the FCRA and to prevent such issues in the future.

Remember, failure to adhere to FCRA regulations can result in serious penalties for companies, including statutory damages, punitive damages, and attorney 's fees, as per 15 U.S.C. 1681n and o.

I am sharing my experience to alert potential customers of Koalafi 's violation. I hope that my review can help others make an informed decision. I am currently awaiting their response and resolution of this matter within 15 days from my initial complaint.

If I don't receive a satisfactory resolution, I am prepared to pursue further legal remedies. In the meantime, I would advise anyone considering applying for credit with Koalafi to be wary of their non-compliance with the FCRA, a critical consumer protection law.

Sincerely, XXXX
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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.
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 status incorrect
Company: EQUIFAX, INC. (CA)

The total debt reported on my Equifax and XXXX credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.
Consumer complaint received 2024-04-17
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: Consumer Portfolio Services, Inc. (IL)

REQUEST WAS MAILED IN TO THE COMPANIES.. BACK IN YEAR 2022 WHEN I FIRST LEARNED BEEN TRYING EVER SINCE. THE ONLY INQUIRIES ON MY REPORT SHOULD BE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX