davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2024-05-30
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: LEXISNEXIS (IL)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a 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 may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-10-05
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. (VA)

Account XXXX  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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX. Original creditor Capitol One Bank. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy.

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-15
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I sent a dispute to Experian about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXXXXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Experian have not respond as they are obligated by Federal Law.
Consumer complaint received 2024-05-23
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority (NC)

Discovered a couple weeks ago {$3.00} was not applied to XXXX as instructed on payment slip for XX/XX/XXXX. Contacted mortgage holder and have been told several times they can not fix that problem from last year. There were a couple months this year the same thing was done. They have fixed those problems. But refuse to fix XX/XX/XXXX payment misappropriation.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent XXXX and Experian the evidence and my documents, but they still ignore my request.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been violated by XXXX XXXX XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX  is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

First off I want to say I called the Experian XXXX times yesterday and had all my calls recorded and they are intentionally sending me a call filtering my call so I can't speak to a representative they are they have intentionally put a freeze or lock on my account after I spoke to a a customer service representation representative yesterday and they apologize for having the alert or freeze on my account I tried to run my credit again and I said it was blocked for promotional purposes I call Experian back again and I do not have the option to speak to nobody through the automated system I turned around and called for my fiance 's phone and put her information in and it went straight to a representative I don't know what part about allowed that they're allowed to screen our screen the phone called lock our credit and then screen phone calls when I try to call and get it unlocked intentionally discriminating if you ask me I don't know if it's because of XXXX background but they're clearly discriminating against me like I said I have the recordings for proof and evidence that this is going on and it's not a figment of my imagination my fiance it should be heard she's been right next to me she's here the same thing and she under she's in shock that they're allowed to do this internet to continue doing this cuz this is something I complained about in the past and the same thing is still going on with no resolution. They're putting a lock on my credit for that I can't reach out to anybody with it for loan or mortgage or anything and then when I try to call in to correct the mistake because I never authorized any kind of a lock or a freeze or anything to be on my credit Experian is intentionally locking in are screening automated system is sending me somewhere else and there's not sending everybody else to the same automated system I have proof this is going that and they're locking my credit file because the agent told me twice yesterday that he apologize but but he had to remove XXXX locks yesterday alone and never put XXXX on and I have it on recording and I have it on recording that they are doing this anybody was a mistake it's not happening it's not a mistake every day that they did my credit file is llocked by Experian XXXX or XXXX they are willingly manipulating the credit XXXX
Consumer complaint received 2019-01-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

My late father died in XX/XX/XXXX and in XX/XX/XXXX my brother and I went to the main XXXX XXXX XXXX XXXX  branch with a copy of his death certificate and his key to his safe deposit box. I was told I could not get in to even do a will search until after probate even though it been 40 days already. Due to his state totaling less than 150,000.00 we submitted to the California Document 13100 we assumed his assets through it. When we went on XX/XX/XXXX to the bank branch with that and a copy of his death certificate and the key to his safe deposit box. We were told the whole process should take 24-48 hours. They did not contact us during that time and called back on XX/XX/XXXX, over 3 business days and then got told the accounts weren't ready to close and got called back the next the next day and said the Safe Deposit box was a joint account with an ex girlfriend and we weren't access even though at the very least we allowed to do a will search and have the contents itemized. We contacted our estate lawyer and informed us that we were allowed to access box to perform an inventory. So we contacted the bank on XX/XX/XXXX, 10 legal business days later I was informed I am still not allowed into the box and when asked for exact wording on the signature card I was informed that I am not legally offered that the information. I've spoke to XXXX XXXX on this matter 4 times now and to a high level bank employee twice on the matter. Now I have to pay my lawyer to contact the banks legal team.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was divorced in XX/XX/XXXX. On XX/XX/XXXX, I called BofA and requested they close the joint credit card account that both my ex husband and myself were account holders on. They closed the account and then asked if I wanted to consider opening an account myself. I agreed, they ran my credit and offered me a card, which I received. On XX/XX/XXXX I created an online log in so I could review my most current bill. Since it was a new account, I went into the account profile to review the contact information and saw my ex-husbands email address listed as the Primary contact and my email address under his. It seems BofA kept the original account information and simply transferred it to my new account that he has no part of. I was unable to delete his email address since it was listed as primary. I called XXXX on XX/XX/XXXX at XXXX and spent 12 min and 15 sec on the phone with a female rep. She advised she removed his email address but when I refreshed my page, she had removed my email address and his remained. I advised her and she said she fixed it again. I refreshed and, in fact, my mail address was listed as primary and his was no longer there. Today, XX/XX/XXXX, my ex-husband dropped off our daughter and told me he received an email from BofA with my statement information, including my balance and minimum payment amounts. He has forwarded a copy of this email to me. If he did not notify me of this very serious privacy breach, I would have no idea he was receiving my financial information since the online account does not reflect his contact information.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-11-13
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-13
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)

XXXX is reporting derogatory on XX/XX/2020 with payment status of collection Chargeoff when account was settled with chapter XXXX bankruptcy. If account had been charged off I would have received a 1099 form.
Consumer complaint received 2016-03-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: QC HOLDINGS INC (MO)

The Federal Gov. in XXXX convicted XXXX XXXX with payday loans.I have a payday loan. Never knew charged over 134 % payback on $ XXXX.Taking it out of my bank.If you miss a payment charged $ 180.00.Names are QC Financial/Payday, Quick Cash, and XXXX of XXXX XXXX XXXX XXXX XXXX KS. XXXX.All was done over a phone.13 month loan.is XXXX.I never had no idea about this, XXXX 2015 they take XXXX out of my bank.I need help.They threatened me ...
Consumer complaint received 2019-07-24
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. (FL)

I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report.
Consumer complaint received 2016-01-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JMS Associates, Inc. (FL)

XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector.
Consumer complaint received 2023-10-05
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. (GA)

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

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NY)

I called on XX/XX/XXXX to report an odd XXXX dollar charge I didnt recognize. I was told I would receive a replacement card in a day. 
I wasnt sent a Chase United Visa, instead I was switched to a MasterCard with no numbers embossed. I was never told that I should expect a change in card, brand and terms.

I called and had to agree to language that I had authorized the switch to Mastercard, when I never did. XXXX  from Texas filed a complaint only after in insisted and used passive aggressive language that would not acknowledge the failures of the Fraud Department. Repeatedly, I was denied a supervisor.
Consumer complaint received 2017-09-29
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. (GA)

I am requesting that TRANSUNION remove tax lien # XXXX that is listed on my credit report in the amount of XXXX. 

The attached tax lien only shows the last 4 digits, no  dob, and an address that I 've never lived at. The XXXX XXXX XXXX XXXX ( XXXX ) states liens must have a full name, address, SSN ( full SSN, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the XXXX new rules that went in effect XX/XX/XXXX. In my last dispute in XX/XX/XXXX, I added a note to TRANSUNION which stated that it does not meet the new XXXX XXXX rules, but they did not remove it. 

I 'm requesting CFPB 's assistance in getting this tax lien completely and permanently removed from my TRANSUNION credit report. 
Thank you!