davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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 to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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  15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2019-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Consumer complaint received 2023-02-04
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. (FL)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XXXX of XXXX. I would like my credit to be updated with accurate information and change the late payment from XXXX of XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, XXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (ME)

I received a tax refund from the State of Oklahoma in XX/XX/2019 in the form of a Way2Go MasterCard. I was unable to login to the website but was able to activate the card via toll free number. Eventually I contacted customer service after long holds and they told me I couldn't login because my SS# was incorrect on their server. They told me the number showed as XXXX   where the last 4 digits were the only ones correct. 
I was finally able to login using the incorrect SS# and was able to transfer what was left of my refund to my personal checking with my home bank. In the process of trying to rectify this issue, XXXX  charged the card $XXXX four times for check my balance. Nowhere does this company disclose a balance check fee of $XXXX a whack that I can see when calling their toll free number. 

I have called to dispute the charges and tried disputing them online. I am unable to select any of the charges to file a dispute online even trying with two different web browsers. I have called the toll free number on the back of the card twice. Yesterday XX/XX/2019 I was on hold for more that one hour with no response. Today, XX/XX/2019 I am currently on hold waiting to get help and the timer on the call is now 48' 20".

Thank you for your help. This is a matter of principle.
Consumer complaint received 2022-09-30
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. (VA)

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with XXXX XXXX XXXX is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

On XX/XX/19 I called XXXX XXXX c/s to have my cable tv & internet disconnected because I arranged for XXXX XXXX & internet to be installed XX/XX/19 The c/s rep told me my last day of service ( also last day of billing cycle ) would be XX/XX/19 I made sure that my balance was up to date and nothing would be owed. She said as long as my equipment was returned there would be XXXX balance. She arranged for an ups box to be delivered to me with self-addressed prepaid shipping labels ( tracking # XXXX ) Delivery has been verified. I was very careful to make sure I had XXXX balance, and that the equipment was sent and received. A month later I received a letter saying I owed over {$1100.00} for a months service, and un-returned equipment. I called XXXX c/s spoke to spent well over an hour on the phone with her, and finally she was able to verify tracking/return of the equipment, and showed my turn off date was XX/XX/19 ( conf # XXXX ) On XX/XX/19 another letter arrived saying I owed {$230.00} I called XXXX c/s spoke to XXXX in Kentucky call ctr conf # XXXX spent approximately 1.5 hr. on the phone with her. Finally she was able to verify everything and said there was one thing that had to be approved by a supervisor but she assured me settled. On XX/XX/19 I received another letter now stating I owe {$700.00} I called XXXX c/s spoke to XXXX @ Virginia call ctr. case ID : XXXX spoke to her well over an hour and she verified everything XXXX from Kentucky confirmed but she said the supervisor had to approve the {$230.00} I told her that was not acceptable I did not owe anything and did everything by the book. She said since you are stuck in the system it keeps showing you owing, you might as well pay it to keep it from hitting your credit. I told her I have an 800+ credit score and will fight this with whatever tools I can find. She said she would do everything she could to see it through, and to keep any eye out for a resolution letter. On XX/XX/19 I received a letter from credit control corporation ph # XXXX acct # XXXX saying I owe {$230.00} their customer service # XXXX My wife and I are exhausted from this matter. I have felt helpless dealing with frontier, is seems they can just throw all kinds of # s at me until I relent and pay. I have spent a lot of time of this and can not give up now. 
Thank you for your help, XXXX, and XXXX XXXX
Consumer complaint received 2023-02-04
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. (GA)

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related 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 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

Never received notice to dispute.CREDIT COLLECTION SERVICE placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

On report XXXX, Experian is listing the city for my current residence XXXX XXXX XXXX XXXX, XXXX, WI XXXX as XXXX when it should be XXXX. When I try to dispute this information online, the system will not process the request. And they are incorrectly listing the city on a prior address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, WI XXXX as XXXX when it should be XXXX XXXX. The report also lists the same address in two different variations - one with the apartment number and one without, the address without the apartment number is not correct and should not be listed on the report.
Consumer complaint received 2022-09-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union and all three credit bureaus must provide copies of any documents and any tests used to report the auto loan charge-offs. They must provide me a copy of any and all documents used as legal instruments to charge-off my account. Specifically, each of you must show, in yousr response, a copy of any and all promissory notes, including terms and conditions, used to justify placing auto loan charge-offs on my account. Note : If there are two different promissory notes, you must show them. NFCU and all three credit bureaus must address the charge-offs. The charge-offs and credit scoring must be reversed and removed from my account history and from my NFCU account, today. No frivolous responses will suffice. Justify what each of you have done, in accordance with credit reporting laws, XXXX  XXXX laws on charge-offs, and all pertinent laws. Confirm whether I have been removed as a member of the NFCU.
Consumer complaint received 2023-01-08
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. (CA)

Experian XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false. 
I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.
Consumer complaint received 2019-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

On XX/XX/2019, I inquired about a XXXX add for XXXX XXXX XXXX tickets. The " seller '' and I negotiated a price of {$500.00} for four tickets. I have a lengthy email correspondence documenting the exchange - to include screen shots of XXXX tickets as " proof '' the seller had them. On XXXX, the " seller '' and I moved forward with the transaction as to which I regrettably transferred the money via XXXX to an XXXX XXXX. Shortly thereafter it became clear that the " seller '' was never going to send me the tickets as I still have never received the four tickets. First, I immediately filed a dispute with my bank, USAA, as to which I was told I would receive some sort of response within 1 to 10 business days. I then made a XXXX request from the recipient of my XXXX transfer for the amount of {$500.00}, as to which the " seller '' has not accepted. Next, I filed a complaint with the internet criminal complaint center ( IC3 ). Today, XX/XX/2019, I received an email from USAA stating that the decision has been made that an error did NOT occur with this XXXX transaction. During the dispute analysis by USAA, USAA did not contact me wishing to see my email correspondence outlining and detailing this unlawful scam of consumer goods. USAA did not contact me during this process for ANY additional information whatsoever, for that matter, to aid in the decision-making of this fraudulent financial transaction. Nor did they contact me regarding any further steps that I may have taken on my own accord, nor did they offer any advice regarding my next steps financially. Subsequently, I filed a complaint with the Federal Trade Commission, which regulates XXXX and other online auction sites. I have since called USAA requesting any and all documentation regarding the dispute. The representative on the line claimed he would need to put in a request for such documents and is unable to see any steps outlining the decision process/conclusion. It was only after I threatened to contact the CFPB did the USAA representative offer to verbally disclose the documentation of my dispute analysis. I was told a copy of the document would be available in my banking profile online upon my request.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have found some information that is inaccurate on my credit report. The date-of-last-activity being reported for this account doesnt match my records. 


XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.
Consumer complaint received 2018-12-04
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. (NC)

I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online team XXXX error XXXX then I was told to call consumer relations to have an update ... then called them and they told me to contact the online support ... so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since XX/XX/2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XX/XX/XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I filed a complaint previously about this new lender and their inconsistencies with my loan since it was transferred to them. They replied to that CFPB complaint and said that I didn't need insurance escrowed. After getting their response letter I did further investigation and was told my my HOA that I am not covered under the condo or master policy as stated by my lender and that since I am considered HOA ( there are condos within my neighborhood ; however I am not one of them ) I needed to purchase my own insurance. I left it alone and decided to pursue insurance on my own. 
Fast forward to today and I show a debit for XXXX on my account. I called customer service and was told that this company re-added the insurance back to my account and are now saying that I need the insurance. Why is the payment XXXX and not what I had previously paid when the loan originated? XXXX was the company I selected for my home insurance policy but the lender says they have no clue of this. Why? I need this corrected and for my payments to reflect consistently with what I had agreed to when i closed on the loan XX/XX/XXXX. I need this lender to show me what I agreed to and explain any differences in payments as well as explain why they are sending the payment to homesite and not XXXX since I am considered HOA. I need to understand why they have now changed their mind yet again and started taking out the money that they refunded to me per my previous complaint with CPFb, XXXX.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I personally called XXXX XXXX the first week of XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/XXXX I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/XXXX I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough