davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (VA)

Around XX/XX/XXXX, I noticed ongoing digital download charges on one of my credit cards. Despite disputing these charges, AMEX concluded they were valid and reinstated them. In response, I closed all my cards and ordered replacements. On XX/XX/XXXX, AMEX approved another charge from XXXX on one of the new cards, which hadn't been activated. Having been an AMEX customer since XXXX, I've observed their practice of allowing charges on newly issued cards, posing a risk for fraud. Instead of a safeguard, it creates an opportunity for unauthorized transactions. Vendors should be required to contact customers for updated card information when a card is canceled, rather than relying on default approvals. I've attached a copy of the new charge for the card that was not activated as well as the charges for the fraudulent XXXX charges of digital downloads.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

ECSI XXXX servicer a XXXX  party XXXX XXXX is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even XXXX prior to XX/XX/2023! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my XXXX XXXX without verifying accounts and my consent! 
I sent many XXXX XXXX via XXXX XXXX and they are NOT RESPONDING!! and violate the XXXX XXXX XXXX notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the XXXX, I am requesting that ECSI and all XXXX XXXX to remove this CLOSED account immediately from my credit reports that is causing damage to my XXXX and XXXX XXXX. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (TN)

XX/XX/2023 The property was sold. 

XXXX XXXX PHH Mortage Services payoff request was grossly overstated in the amount XXXX. 
I called to verify the excessive amount. They reported the call to their supervisor .I was told that it was correct. 


Settlement agent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NH)

In XX/XX/2023, I contacted Nelnet in advance to move my student loans either in the SAVE plan or deferment. I was required to complete the application online and have never heard back. I have attempted to contact Nelnet multiple times to discuss my options and either have waited on hold more than XXXX hours and hung up on or just disconnected period. They are now reporting me as late payments when they haven't worked with me which would have had me in full complaince.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-01-12
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. (NY)

RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX Equifax and XXXX or the creditors and no actions Sent to all of them. The law states these items need to be removed within 4 days of receiving our complaint. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax, and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hello HSBC Team, I originally chose to utilize HSBC 's international money transfer service due to the advertised capabilities for international transfers and promises of superior customer service. 

Regrettably, those pledges were not fulfilled in my recent experience. After four unsuccessful attempts to resolve the issues with my transfer, I am now preparing to file a formal complaint with the CFPB ( Consumer Financial Protection ), under XXXX XXXX. Lack of resolution is a failure to reduce liability in the international transactions that occur, and US consumers have rights. 

As a customer of HSBC USA, I relied on the bank 's international money transfer service to send funds on XX/XX/XXXX to my new XXXX account in XXXX. 

Unfortunately the transfer was missing XXXX 's XXXX details due to HSBC 's service. After two phone conversations with HSBC representatives, I was informed the issue was XXXX 's responsibility, while XXXX stated it was an issue for HSBC to resolve internally. 

At this juncture, after nearly 17 days have elapsed since the initial transaction, I am exploring additional avenues for resolution, including third party representation. 

The timeline for HSBC 's remediation has exceeded legal guidelines. 

I remain hopeful we can reach a swift resolution without further escalation. Please advise on next steps to successfully complete the transfer to XXXX given HSBCs role as the originating financial institution. 

Also CC 'd on this email is XXXX 's remediation team as well for documentation, support and collaboration services. 

Thank you XXXX
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC (MO)

I have asked this company to send me the contract saying I owe them and they keep ignoring my request. This account was deleted off my credit report before then it came back and now they have someone else reporting this same balance along with them. So now it looks like I owe multiple people. They cant do that.
Consumer complaint received 2023-03-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 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 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

I obtain a loan from fifsg in XX/XX/2013. My payments did not begin until XX/XX/2013. Ive made payments before the due dates or sometimes 5 or more days after the due date. However, in XX/XX/XXXX I requested a different date for payments in writing, which was granted to the XX/XX/XXXX of each month. However even though I was granted the request I still continue to receive late fees and reported to the credit reporting agencies I was more than 30 days past due when I was not. I carefully look at the payment history and realized not one single payment was 30 days past due. Also they also stated they ran a check through my bank and it was returned when they never did had to get on a conference call with the bank and they confirmed no check ever came through my account.But still had reversed payments posted to my account.They also continue to harass me each month about payments that were not past due by phone and email.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-03-08
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. (SC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

Subject : Formal Complaint Regarding Inaccurate Reporting on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an erroneous entry on my personal credit report. Upon reviewing my credit report dated XX/XX/2024, I discovered an account that does not belong to me and was not opened by me. The account in question is being reported by Sunrise Credit Service for XXXX XXXX XXXX. 

I wish to assert that I have never been a customer of XXXX XXXX service, nor have I ever initiated or authorized any account with them. I have been consistently serviced by XXXX and XXXX XXXX for several years, which corroborates my statement. Furthermore, I have been a resident of XXXX XXXX XXXX  for the past XXXX years, and I have no recollection or record of engaging with XXXX XXXX XXXX during this time. 

The presence of this inaccurate account on my credit report is deeply concerning to me, as it could potentially have adverse effects on my creditworthiness and financial standing. I am gravely troubled by the implications this could have on my ability to secure future loans, mortgages, or lines of credit. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the erroneous reporting by Sunrise Credit Service. Additionally, I urge the bureau to ensure that my credit report is updated accurately and expediently to reflect the removal of this erroneous account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and work diligently to resolve this issue in a timely manner.
Consumer complaint received 2023-03-08
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

In XX/XX/2022, I got XXXX  checking Bonus offer flyer by mail ( Promotion Code XXXX ), and I walked to the Citibank , N.A . XXXX XXXX and asked if I am qualified for this bonus offer. XXXX personal XXXX XXXX XXXX helped me and checked my situation. At that time, I told him I have a checking account with Citibank. He did research and told me that I am qualified for this bonus offer and helped me to open a saving account. And he told me that I have to make a deposit of {$75000.00} to earn the {$1000.00} bonus by XX/XX/2022. I also asked him if I can make the deposit on XX/XX/2022. He was very positive in confirming that is not a problem. For the checking bonus offer, Citibank required me to keep my money in my checking account for 60 days. After 3 months, I still didnt get my bonus, so I went back to XXXX XXXX XXXX He told me not to worry and that he will investigate my case. I went to his branch every weekend and asked the result for three weeks. After more than one month, I still didnt get any results. So he forwarded my issue to his XXXX XXXX XXXX XXXX. XXXX helped me conduct another investigation. After about two weeks, she told me that I am not qualified for the bonus because I didnt make the deposit within 20 days after I opened my account. I told her that is not true, because XXXX told me I can make the deposit on XX/XX/2022. So she forwarded my issue to her XXXX, XXXX XXXX. After one week, XXXX called me to tell me that I am not qualified for the bonus offer because I opened a checking account with Citibank within 180 days of opening my savings account. This means that XXXX employee XXXX XXXX provided me with incorrect information when he said I qualified for the bonus.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consumer Portfolio Services, Inc. (OK)

Consumer portfolio services failed to accept my notes for deposit and discharge. I've made several attempts to tender payment. XXXX XXXX XXXX XXXX XXXX XXXX If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender... on XX/XX/XXXX i received a letter from consumer portfolio services demanding payment in any [ particular ] form of coin or currency or legal tender which violates ( XXXX. ),
Consumer complaint received 2024-02-22
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: CCF Intermediate Holdings LLC (AZ)

I have not applied for a loan with this company. If a loan was applied for it was done illegally. I believe I am a victim of fraud. 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 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 Acct # XXXX XXXX XXXX XXXX Acct # XXXX ****** XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX  Acct # 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 2023-03-08
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX