davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I have sent a debt validation letter and they never responded back. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-10-30
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. (TX)

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 XXXX XXXX XXXX XXXX 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 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 2021-01-11
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. (VA)

I recently reached out to the CRA because of an account that is showing up on my credit report. I notified them letting them know that the account # XXXX was incorrect and doesn't belong to me. I asked them to remove the information because it was reporting wrong information. I asked them to send me information about hw they verified it with the original furnisher and they didn't send me anything from the city of XXXX. They said they already looked into it and wasn't going to do it again. At this point I feel like my request is being ignored and pushed to the side. I don't undertsand how transunion is saying one thing, XXXX is saying something else and XXXX  doesn't show anything at all. There is no account on XXXX and I told XXXX  and transunion the say thing.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

As a victim of identity theft, it was bought to my knowledge that several accounts with navy federal has been opened fraudulently. I made a police report and reported theres fraudulent transactions to the federal trade commission. A federal trade commission affidavit was made as well. I reached out to Navy Federal and I also reached out to third-party companies that was reporting this information after doing disputes with XXXX XXXX , Navy Federal , XXXX XXXX XXXX and all of my disputes came back, validated. None of these companies sent me any information, explaining how the account was validated. There is a navy federal account and XXXX navy federal credit cards that was took it out in my name. Navy federal credit card open May 2019 with a balance of {$28000.00} another navy federal credit card that was open XXXX with a balance of {$5100.00}. Another Navy Federal credit car open XX/XX/XXXX with the balance of {$21000.00}.
Consumer complaint received 2021-10-22
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. (NV)

I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert A. Schuerger Co., LPA (NY)

Mr. XXXX XXXX, in a letter dated XX/XX/2021, created the impression as an agent acting on behalf of the Ohio Attorney General and as a practicing attorney in the state of New York. Mr. XXXX also created the impression that a default judgment would be made against me by the state of Ohio, if I do not contact him. Mr. XXXX made clear he would use any information I provide against me, if I contact him. 
Most importantly, I never owed such debt, never used the name appearing in the letter, never was associated with any person with the name appearing in the letter, and never, in any manner, was associated with XXXX XXXX. 
Mr. XXXX predatory practice is chilling. It is particularly onerous when targeting minority communities, members of which are often immigrants and are unfamiliar with the American legal system and their rights. 
I hope the agency will take action to protect vulnerable communities. I am outraged because I can imagine an old XXXX immigrant lady in XXXX XXXX receiving such a letter. It would deeply worry her and she may settle to pay a debt she never owes.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received mail with promotion from Bank of America. On XX/XX/XXXX I have appointment with bank associate XXXX XXXX at bank branch on XXXX XXXX XXXX. She opened me new checking account and told me promotion requirement for receiving bonus : " deposit {$50000.00} in first 30 days and keep it next 60 days. She told me I will receive {$500.00} bonus in 90 days after completing 60 days deposit period. I deposit full amount on XX/XX/XXXX and withdraw on XX/XX/XXXX. I did not receive bonus.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MA)

When I examined my credit report I learned that Credence Resource Management had submitted information that I owed a debt of {$260.00}. I called XXXX credit Bureau to get more information. They gave me the name of the company and the phone number. I called Credence Resource Management to dispute the bill which indicated that an XXXX XXXX XXXX mobile account had been opened in South Carolina. I explained that I had never lived in South Carolina. They promised to send me a kit to help me clear up the discrepancies. I have not received the kit. This was ten days ago. Meanwhile, I submitted documentation to XXXX to show my real address for the past three decades. XXXX removed the bogus address from my credit report. I called XXXX XXXX XXXX and they opened a fraud investigation case on the complaint. However, the charge still remains on my credit file. My credit report also showed that someone was attempting to apply for credit cards using my information. This led me to conclude that I have been the victim of identity theft. I froze my credit reports on all three credit bureau sites and contacted the credit card companies to let them know that I had not changed my address and that I had not applied for any credit cards.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item DISCOVERBANK is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
DISCOVERBANK XXXX {$3000.00}
Consumer complaint received 2021-10-21
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-21
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)

I XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want Transunion to delete this information and to be accountable for their illegal actions.
Consumer complaint received 2019-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My CD matured on XX/XX/XXXX. I was told to fill out and send a Personal CD maturity form indicating what I wanted done with the funds. I sent out the form via XXXX XXXX Ground, which they received XX/XX/XXXX.

On XX/XX/XXXX, I called inquiring about my check and was told it takes 2 business days to process.

On XX/XX/XXXX, I called again asking where my check was and was told whoever was supposed to process it failed to do so. The rep apologized and said the check would be sent out XXXX XXXX Overnight Delivery and that I should receive the check no later than XX/XX/XXXX.

I called again on XX/XX/XXXX, after not receiving the check and was told that it was going to be sent out that day, but that I wouldn't receive it until XX/XX/XXXX.

TIAA acted very unprofessional and misrepresented themselves by assuring me that I was going to receive my funds in a timely manner after the CD matured. This should have never happened. I have never experienced this before with any bank or credit union.

They were totally negligent on their part.
Consumer complaint received 2022-10-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Please refer to my other 2 complaints Suntrust/Truist has yet to live up to their name of being Truist. They continue to violate UDAAP by sending me incorrect statements with incorrect amounts which is also totally different from their website. Truist is deceptive and continues to respond by stating that I filed Bk and not affect CBR that isnt the concern is the deceptive practice of mailing me incorrect account balance past due when they are receiving payments. Their escalation team is a farce specifically XXXX because she doesnt listen, and responds the same way twitch the deceptive response addressing BK and CBR as well as call their BK department the complaint is closed. When I ask how can the complaint be closed she still gives the same response when I mention hiring an attorney for UDAAP she totally disregards that comment and says maam the issue is closed. So I will continue to open complaints while I look for an attorney who will take a UDAAP case since its a violation of Dodd Frank REFORM AND CONSUMER Protection
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Ive waited 4 months for my PSLF certification form to be processed to update my payment count and have yet to hear the outcome. The employer didnt change from the year prior and it hasnt been anything out of the ordinary. I was told these forms should take no longer than 2 weeks to be processed, and every time I call about it to inquire on status since XXXX, they say it's still processing. They are no longer going to be processing these forms after XXXX, and I submitted early to avoid delays towards the end of their contract, but still no one is doing their jobs.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (CA)

dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate ... .i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

I tried to sign up for alarm service with XXXX XXXX XXXX in XX/XX/2021. In the process XXXX advised that equipment will be {$1500.00} and will be financed by their " XXXX XXXX  '' Affirm. When we finalized the service arrangement, XXXX advised that it would take them 2 months to provide service and install equipment. I immediately cancelled service and received a XXXX airbill to return the equipment back to XXXX ( when it would arrive ). That equipment was returned via XXXX. I was assured that service would be cancelled and equipment refunded. BUT, XXXX home security did not refund the money back to their " inhouse '' lender Affirm and Affirm started collecting now {$2100.00} for money which is owed to them. I tried to contact with XXXX home security multiple times but they did not respond. Affirm did not respond to my inquiries either. 
I do not owe any money, as I did not keep any equipment and did not receive any service. 
PLEASE HELP
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (MS)

Acima credit has placed an account on my credit report that is not mine it is from a furniture company the furniture was delivered to an address that is not mine nor have I ever lived there I had previously had an account with Acima that I paid in full this address is now on my credit report since this happen I have asked for it to be removed and also the collection and late payments.aAnd when I notified Acima for info on the store I was told it was gone out of business.
Consumer complaint received 2021-10-21
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Consumer complaint received 2021-12-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to XXXX. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of XXXX  of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX XXXX
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC (AZ)

I have two children who have received student loans several years ago. I have no recollection of having co-signed any of these loans. XXXX XXXX  sent me a statement several years ago stating I owed on some student loan. I disputed that and requested proof of my obligation that showed my signature. They never did. Three times since then I have been contacted by collection agencies. In each case, I disputed the alleged debt and demanded proof that must contain my signature. None of the agencies responded. I never heard from the first two agencies or XXXX XXXX  again. 

The latest, ATG Credit, reported me as delinquent to the credit bureaus. They never responded to my dispute with the 30 days required by the FCRA. 

The agencies and dates I responded are : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX