davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (TX)

XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # ( XXXX and XXXX ) reporting to Transunion. 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : Paragon Revenue Group. This company opened an account using my personal information with no authorization from me. Paragon Revenue Group has reported that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information this debt collection company listed above. This company has reported an incorrect illegal account to The Credit Bureau without consent from me. Paragon Revenue Group is holding my personal medical information without a contract between them and I to hold my personal health information within their company. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation. Paragon Revenue Group used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. This company has posted that because the alleged debt that I do not owe has been sent to an attorney that has not reached out to me. This is a violation of 15 USC 1692 j and 15 USC 1692e.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (DC)

BSI Financial Services ( BSI ) has made multiple errors and violations of federal law while servicing my home mortgage. In less than 2 years since BSI acquired my mortgage, BSI has : ( 1 ) illegally failed to make the XXXX annual insurance payment on time ; ( 2 ) illegally failed to make multiple Washington, D.C. property tax payments on time ; ( 3 ) illegally paid D.C. property tax penalties and interest out of my escrow account ; and ( 4 ) as a result of its delinquent property tax payments, caused me to have a remaining balance for my XXXX property taxes. 

I have spoken to the BSI customer service department twice. In both cases they were unable to explain why these errors occurred and why they have failed to correct the problem. The customer service representatives refused to escalate my call to have these matters remedied. During the second call, I was advised to submit my concerns via email, and my account would be flagged for a response within 48 hours. I provided an email with all relevant facts and supporting documentation on XX/XX/XXXX and have not received a response as of the date of this complaint. 

I have made 100 % of my mortgage payments on time and in full. 

BSI and the CFPB entered into a consent order on XX/XX/XXXX. The consent order requires BSI to maintain serving systems, policies, and procedures reasonably designed to ensure it can ensure accurate and timely disbursements on all escrowed loans. The issues we have experienced with BSI demonstrate that whatever policies it has in place are not sufficient to ensure timely disbursement on escrowed loans, and BSI is in violation of the terms of the consent decree. BSI 's actions violate the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq. ) and Regulation X ( 12 CFR Part 1024 ), and they constitute unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( 12 U.S.C. 5536 ).
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I withdrew from school in XX/XX/XXXX. When it was time to start paying back my loans I did not have the money to do so, but was unable to navigate Navient 's website to take the necessary actions. As of XX/XX/XXXX, I am now back in school and Navient is still asking me to make payments that I am unable to, calling and emailing me what feels like every day.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

on XX/XX/XXXX We were attempting to book emergency flights under duress to attend a funeral for a family member. Due to the costs of las minute flights, we went from our normal XXXX flights to look for XXXX flights. We unwittingly clicked a link for XXXX and ended up booking flights we absolutely did not want and did not meet the search criteria submitted to their booking service. Within seconds of completing the checkout, we saw the flights were wrong and took immediate action to stop the process. 

We contacted American express to stop the payment. They told us there was nothing they could do until the purchase posted to our account. At the same time we tried to contact XXXX in the most direct way possible, but the only have a webform to fill out no phone # and no email address. We filed the web form and received an email stating a consultant would contact us as soon as possible. The email address was a no reply email. We filed the web form a couple more times and were able to file a cancel booking form after XXXX actually booked the flights, several hours after initial contact and booking. ( They had several hours to communicate with us before they booked the flights ) We contacted American express after the transaction posted to our account. They told us to work it out with XXXX. To this date XX/XX/XXXX XXXX has not contacted us in any form. 

We attempted to cancel the bookings ourselves as all major airlines have a XXXX hour cancellation notice. We were told the booking agent alone could cancel the flights. The booking agent does not respond to any contact. 

We never used the flights. 

We have been disputing this with American express for 3 months. Have submitted all details to them. Their investigation team reached out to us, but did not return our call. They continually gave us false hope that the would find in our favor if we just kept reopening the complaint. 

XXXX is based in XXXX. Stopping this transaction should have been easy for American express to do. XXXX has multiple complaints against them. They do not appear to be a legitimate business. American express should have protected us from this situation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XX/XX/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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have contacted each company listed below as well as Experian, XXXX, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : EXPERIAN 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 I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

I have a Barclaycard US credit card which has monthly payment due date of the XXXX. I paid my XX/XX/XXXX payment for this card on XXXX XX/XX/XXXX. I was nonetheless flagged as past due for this payment. Customer service informed me that their computerized system generated its billing on the XXXX of the month, therefore my XXXX XX/XX/XXXX payment was applied toward the balance of the account by not to the XX/XX/XXXX billing. I was informed that I am therefore expected to pay a double bill for XX/XX/XXXX and XX/XX/XXXX despite having already paid the former. My request that this payment be reapplied was denied. I have always paid my bill well before the XXXX of the month in which it is due but after XXXX in the month in which it is paid to avoid confusions. I find Barclay 's position unreasonable and unacceptable, and believe that having paid my bill in advance of its due date Barclaycard US should accept it as such. I have also informed the company 's representative that I will be making no further payments until they do so. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-01-30
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. (FL)

To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX  made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXXThis account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by Experian Credit Reporting service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX  Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NC)

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Capital Accounts. This company opened an account using my personal information with no authorization from me. Capital Accounts has reported to The Bureau that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? Capital Accounts has reported an incorrect illegal account to The Credit Bureau without consent from me. The Original Creditor was listed on my credit as XXXX XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. The document requested from this company should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and this tactic is listed in the U.S. and State law as identity theft and a HIPPA violation has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
Consumer complaint received 2023-07-20
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. (MD)

Equifax continues to report inaccurate payment history for the XXXX account ( XXXX XXXX ). 

This vehicle was sold on XX/XX/22 as a trade-in for a new vehicle ( documentation is attached ), yet, Equifax continues to report current payment activity as if the account is still active.

I am requesting Equifax remove this account for erroneous payment history.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Before I make these legal and true statements I would like Transunion and the CFPB to know these are my words as the consumer, XXXX XXXX. On XX/XX/2021 Transunion deleted account # XXXX off my credit report. On XX/XX/2021 the same account was put back on my credit report saying that the creditor verified the information. According to 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. What friends, associates, neighbors of myself did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? I firmly believe Transunion has committed a violation if they didn't send me verifiable proof of who they spook to. I am also confused on what information Transunion have that XXXX doesn't have. XXXX is reporting wrong information and is dealing with litigation. How is it possible for 3 bureaus to be reporting 3 different reports if everyone is getting the same information from one creditor? that lets me know fraudulent information is being reported and has been reporting on my consumer report for years and has caused me great pain and a lot of denials from businesses that I wanted to gain a relationship with. 
15 U.S. CODE 1681a states accuracy and fairness of credit reporting, which means everything should be 100 % accurate or be removed from the consumer report. My auto loan account # XXXX has been satisfied and paid off but late payments are still being reported and I was never late on payments. Without permissible purpose according to FCRA it is a violation to put anything on my report without contacting the consumer first, please lets fix these issues and litigation should not be involved if everyone does not violate the law.
Consumer complaint received 2022-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX points at one time ( from mid XXXX to XXXX ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.
Consumer complaint received 2022-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX XXXX at one time ( from mid 700s to 500s ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I noticed on XX/XX/XXXX that my XXXX credit report had three different collections on my account, all from energy companies located in Texas, where I have never lived or ever heard of. One was from the collector XXXX XXXX XXXX, from the original creditor XXXX XXXX XXXX XXXX XXXX for the amount of # XXXX. I had received collections letters in the mail from this collection, and I followed up by calling XXXX XXXX XXXX XXXX XXXX notifying that it was fraudulent or a result of identify theft and they made note of it and asked for my social security number to report it to the credit bureau, which I did not feel comfortable providing. 

The two other collections were from the collector TRANSWORLD SYSTEM INC/ and Original creditor : XXXX I never received any letters or other notifications for these collections. 

I disputed these collections through XXXX on XX/XX/XXXX, and two were removed, however one of the collections from TRANSWORLD SYSTEM INC/ remained. This remaining collection is for the amount of {$280.00} that opened on XX/XX/XXXX. I then followed up with XXXX to ask what else can be done about this collection as it is a result of identify theft, and they recommended that I file a complaint myself with the Consumer Financial Protection Bureau.