davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, 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
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX  XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX )
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

CCB/XXXX is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( CCB/XXXX XXXX )
Consumer complaint received 2022-01-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Well my husband did here from Bank of America within the time limit you provided to them but the problem is they contacted my husband and told him that if he had any questions that he could call them and the person would be more than happy to speak to him. The person my husband talked to was XXXX XXXX in the Regulator Complaint Department at Bank of America she was XXXX women XXXX ext XXXX. Well she set some paperwork showing us some payments we made at the time and told him we could not get the HUD taken of our loan but never gave an explanation of why, plus every time my husband called back he was never able to get her. My husband has more questions like why was the HUD placed on the loan and were is all the paperwork about the modification, and why is it we nor the mortgage company we are with have any paperwork from our loan. At this time XXXXXXXX XXXX  has no paperwork about our loan with Bank of America nor do we have a paperwork about our modification. Bank of America is one of the worst Banking institution to ever work with. I would like to no were else we can report them too. We are sure that Bank of America is doing a lot of people wrong and that if a stop is not put to it there will be a lot of people victimize by them just like we are. Please let us no were else we can report them to. First complaint # XXXX Thank you for all of you help
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I paid them {$6800.00}, they took the money out didnt pay the principal not the the fees, they took the {$2000.00} aside just missing, and they charged me 230 % apr in 1 year, they took 460 % apr within 1.75 years, they deleted my website history payments, I worked when was the lockdown and made every signle paymnet, and recently I found they stole some money out and only put 14 % toward the princial, this is in their balance sheet I had to get through the judge, and the balance sheet number don't add up, it's a hand typed, the calculations dose n't add up, start ending balance shows XXXX, if you calculade XXXXXXXX XXXX is missing out out of my payment, I paid {$6800.00}, they only put 14 % toward the principal within 1.75 year, like 8-9 %, they forged this sheed asking me I have to pay XXXX XXXX, yearly intrest of 230 %, and so on, but they are taking the money out and didn't put more than 10 % towards the princial, they are soo rude they have this delivered to the judge it's a forgery document ( hand put together ), and 230 % apr and 9 % towards my princial its ilegal, florida statues XXXX XXXX for 18 % max not 230 % apr and money stolen out
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (WI)

I was in a refinance process with US Bank between XX/XX/XXXX and XX/XX/XXXX. I already had my original mortgage with US Bank, so all the information was there to refinance a new one. Long story short, my escrow fund for XXXX was put toward payoff of the new loan without my permission or knowledge. I repeatedly stated I wanted to make sure I had XXXX tax money to pay them in XXXX. Ultimately, I was informed after closing that my escrow I had saved up until XXXX of XXXX was gone and I had no tax money to pay for those taxes. I have attached more details to the process below. 

I have had correspondence with Customer Advocacy through mailed documents only and have found it hard to even talk to a person about filing a complaint or someone who even knows what their process is. Basically, they have said we are sorry, but there is nothing we can do.
Consumer complaint received 2023-11-29
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. (PA)

I have contacted the credit bureaus and XXXX  regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

Enhanced Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Enhanced Recovery is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (AZ)

I have no clue what this about. I did not purchase any product or service from this company. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt The Agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I was a victim of identity theft in 2018 and subsequently froze my credit with the credit reporting companies. I am now in the midst of refinancing my mortgage and have unfrozen my credit reporting with XXXX and XXXX successfully. However, I have been unable to with Experian. Specifically, when I seek to provide my identification ( SSN and zip ) the email address and phone numbers to confirm actions are not mine. I am concerned that they are associated with those who have attempted fraud using my identity in the past or, at best, Experian just has bad information associated with my account. Either way, I have found it impossible to address with the company to correct and, ultimately, safely unfreeze my credit. Experians customer service is completely automated, with no ability to reach a human being to assist. I have spent hours trying to fix this problem to no avail.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I noticed a collection for {$140.00} on my credit report through XXXX in XXXX of 2021. I was surprised because I had not been notified previously of an outstanding debt nor did the collection agency, Helvey and Associates, provide me with any validation information. I disputed the collection through XXXX XXXX in XXXX, 2021. I still did not receive any information. I again submitted a dispute through XXXX XXXX in XXXX of 2021, and again, I received no correspondence. Therefore, I sent a certified collection validation letter to Helvey and Associates. I was notified that it was signed for on XX/XX/2021. To date, I still have not heard from Helvey and Associates.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affirm Holdings, Inc (IA)

Ive contacted affirm numerous times about debts that are already paid!! When I contacted somebody at the executive office they gave my information to a supervisor who then contacted my sister. She gave CONFIDENTIAL information out!! They are discriminatory and unhelpful!!
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the fair credit reporting act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (NY)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2022-01-31
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)

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

XXXX, XXXX and experian all have incorrect SSNs, Names, addresses, phone numbers, accounts, public records, etc on my credit reports. This has affected my XXXX XXXX XXXX and jobs with the XXXX XXXX.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE is reporting on my personal credit file. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

( CAPITAL ONE XXXX )
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-02
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. (GA)

On XX/XX/2020 I submitted to the credit bureau Transunion certified proof that I had completed the debt verification process for four derogatory accounts that they are reporting on my credit profile. This process was completed certified mail and included contacting the creditors about the alleged debt and requesting the documents that they have that validate the debt belongs to me. Each of these four companies did not respond to any requests via mail or telephone therefore they could not have verified the debt as they claim to have via the disputes process. I have sent Transunion certified proof of this and requested the accounts be removed or proof of the validated information. They have not n provided either. According to FCRA Fair Credit Reporting Act U.S.C 1681 Transunion has violated my rights as I have not given them permission to share this information.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (CA)

My Mother was told that her XXXX status would be revoked, and she would be XXXX. Hhat her social security pension would be garnished and that all the money in my husband 's bank account would be also taken. That President Trump had changed the law and that she had to pay this debt. This is over 19 years old. The used abusive language and under duress they took advantage of a XXXX yr. old senior who gave them her credit card information. So far they took 2 payments one for {$480.00} and another one for {$1000.00} I am working with the credit card company and have reported this {$1500.00} dlls charge as fraudulent. I want to make a formal complaint about this ARA XXXX company in Illinois. Collection manager name is XXXX XXXX
Consumer complaint received 2022-10-01
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. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity
Consumer complaint received 2022-01-31
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. (NJ)

XXXX XXXX XXXX is reporting on my personal credit file with TRANSUNION . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX  XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The BK OF AMER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

BK OF AMER XXXX