davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
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. (MI)

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 : FAIR COLLECTIONS & O # XXXX, Account name : XXXX. DATA XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX {$260.00} XX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2017-11-22
Product: Credit reporting, credit repair services, 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: BARCLAYS BANK DELAWARE (IN)

I AM ASKING XXXX XXXX XXXX, BARKCLAYS AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.
Consumer complaint received 2023-03-09
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)

NOTICE OF IDENTITY THEFT. THESE ALLEGED ACCOUNTS DO NOT BELONG TO ME. BLOCK and DELETE IMMEDIATELY FROM MY CREDIT REPORT. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Wednesday XX/XX/ Dear CFPB employees, Subject : Complaint - Request for Proof of Late Payment under 15 USC 1666b To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding a disputed late payment on my consumer report. I have requested proof from XXXX XXXX XXXX XXXX Director of Compliance and XXXX XXXX CEO, that the payments were indeed late based on the specifications of 15 USC 1666b, but they have failed to provide the required information. 

I am a diligent consumer who is well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer financial protection laws. I recently corresponded with XXXX  XXXX, specifically with XXXX XXXX and XXXX XXXX, regarding the late payments that they have listed on my consumer report. I requested in good faith the necessary documents to prove that the information required by section 1666b of 15 USC was mailed out or delivered 21 days before the payment due date. 

However, they have not provided any evidence or documentation to support their claim of a late payment. I assert that according to the law, a creditor can not treat a payment as late without complying with the stipulations outlined in 15 USC 1666b. I have not received proof of such compliance. 

This refusal by XXXX XXXX and XXXX XXXX to provide the requested information is a clear violation of section 15 USC 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act ( FCRA ) and section 15 USC 1666b & 1637 ( b ) of the applicable title. 

I hereby demand that XXXX  XXXX, XXXX XXXX and XXXX XXXX provide the required information and proof of the alleged late payment within 10 calendar days from the receipt of this complaint. Any correspondence NOT including the proof I am demanding will be deemed a failure to comply. Failure to comply with this request will be deemed as an admission that the reported late payment is erroneous, and I insist on its immediate deletion from my consumer report. 

Furthermore, I will be submitting this complaint and the related facts and correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX and you guys, the Consumer Financial Protection Bureau ( CFPB ) for further investigation and appropriate action if XXXX  XXXX, XXXX XXXX and XXXX XXXX do not rectify this matter promptly. 

Thank you for your attention to this serious issue. I look forward to a swift resolution and the accurate representation of my consumer report. 

Sincerely, XXXX.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MN)

I took a personal loan out in around XXXX from OneMain Financial and also bought an extra secure insurance to cover just in case I was unable to pay/finish paying my loan to cover me. I was paying on my loan and the extra insurance just fine until I lost my job. While looking for another job I contacted OneMain Financial to let them know. It was vert hard communicating and getting the right information regarding the extra insurance I added to the loan and was paying for. I kept getting forms in the mail to fill out and sent back with information and all the proof they requested. I will called after I've returned the form. Was told it was received but kept hitting a road block with excuses and getting the same forms sent to me. I was tired of the " runaround '' and My credit was ruin and I tried settling. I was told if I settle it was going take care of the negative impact on my credit.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I have a mortgage with Chase. Chase claims they made the tax payment to my county, for my property. My county claims that they have received no such tax payment, has placed a lien on my house, and is charging me interest on the unpaid taxes. I have called Chase every business day since XX/XX/XXXX when I became aware of this issue to request that they either ( 1 ) provide evidence that the taxes were paid by Chase to the county or ( 2 ) provide me with a method to correct Chase 's inaccurate accounting on my loan to reflect that Chase has not actually paid the taxes. Each day Chase 's tax department tells me that they are unable to do either of these and that only a supervisor can provide proof of the payment or correct the escrow balance. They promise me, each day, that a supervisor will call me back that day to address the issue. I have yet to receive a call back from a supervisor. Each subsequent day I call they say the call will take place the following day. 

So I am simply stuck. My county thinks I owe them the taxes. Chase thinks I owe them the taxes. Chase can not provide me ( or the county ) with proof they paid the taxes as they claim and Chase 's tax department admittedly can not help me. As shown in the attached email thread with the county, the county claims that Chase 's escrow statement/accounting for my mortgage is inaccurate. Chase has been unable to prove otherwise and refuses to correct the inaccurate accounting.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction with the handling of my recent attempt to rectify the late opening of my account. Despite my initial communication and subsequent efforts to resolve this matter, it appears that the issue remains unresolved. 

I first brought to your attention the discrepancy regarding the opening of my account. I followed the protocol outlined by your institution and promptly provided all necessary documentation to rectify the situation. However, to my dismay, it seems that my efforts were not duly acknowledged or acted upon. 

Despite my initial attempt to address this matter, I was disappointed to discover that the account opening process had not been rectified. Consequently, I reached out again on [ date ] to reiterate the urgency of the situation and to request immediate action. Regrettably, I find myself in the unfortunate position of having to bring this matter to your attention once more. 

The prolonged delay in resolving this issue is not only inconveniencing but also reflects poorly on the efficiency and reliability of your institution 's processes. As a customer, I expect a certain standard of service and prompt resolution of any discrepancies or errors. 

I urge you to prioritize this matter and ensure that the necessary steps are taken to rectify the late opening of my account without further delay. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

Please consider this letter as a formal complaint regarding the handling of my account opening process. I trust that you will take the necessary steps to address this matter promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, Equifax and XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-03-09
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 am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (DC)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told Freedom Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the Freedom Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. Freedom Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to Freedom Mortgage ( one has already been completed ). Freedom Mortgage can schedule the payment if they want assurance. Freedom Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had 3 accounts with XXXX. I was supposed to get 4 payments interest free on each account. I did not. I sent payments to pay each account off and they did not apply them correctly. It took a couple of weeks to get them to apply it correctly and now they are reporting them delinquent. I was never 30 or 60 days late on ANY account with them.
Consumer complaint received 2023-02-16
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. (TX)

I've sent multiple letters to XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I made an uniformed decision when I entered into this credit transaction. The contract terms weren't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX XXXX. I have asked for the original contract multiple times but somehow XXXX XXXX confuses an invoice as an actual contract, which is a violation of my rights as a consumer
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested verification of inaccurate information on an account listed by the credit consumer reporting agencies on multiple occasions from both the data furnisher and the credit reportion agency for XXXX account number XXXX. I also disputed this account directly with the data furnisher and as per XXXX they have no record of this account on file yet they continue to report a derogatory account in my name. I am enclosing the notice XXXX sent me as a reply to my inquiry. Which states they have no knowledge of this account and the letters sent to the reporting agencies I sent last to the XXXX and Equifax which are continuing to violate my right to accurate reporting. Both agencies are reporting different dates of last activity. The are showing a balance for on the account that was allegedly written off as a bad debt. They are reporting different dates of being last reported. How can any of this be accurate if none of the parties involved XXXX, XXXX, or Equifax are showing any of the same information.
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Hello, my home loan was purchased from XXXX XXXX XXXX by FlagStar bank in XXXX  of 2019.  At the time of my refinance, Flagstar bank was given proof of homeowners insurance.  I have received several notifications from FlagStar that they never received proof of insurance and that they are going to charge me for reinsurance, which is taken out of my monthly mortgage payment.  I have repeatedly called, emailed and faxed this company to proove that I have had consecutive homeowners insurance and yet they repeatedly deny receiving my proof.  I just want them to stop taking money from me fraudulently.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the XXXX XXXX XXXX, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest.
When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get Experian to agree to Identity theft, and XXXX XXXX  and XXXX. However, they would not take the debt off. The XXXX XXXX XXXX  wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the XXXX XXXX XXXX, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by XXXX XXXX XXXX continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the XXXX XXXX XXXX charge off. The XXXX XXXX XXXX does not recognize its own charge off and has left it on their books as 3 open card accounts. Can you help me clear this up? Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.