davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-06
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 — Problem with personal statement of dispute
Company: Frontline Asset Strategies, LLC (FL)

On XX/XX/XXXX i Sent a VALIDATION of debt request to Frontline Asset Strategies. The company refuses to PROVE that i have a legal obligation to pay this debt, and refuses to sent the requested information. The company also failed to provide detailed steps used to ensure this was my debt. I have sent several letters to the company including a debt VALIDATION/ PROOF letter, and the requested documents were not sent. I dispute this debt. i am requesting an original contract with my signature showing that the debt is VALID and is my debt. If this can not be provided the debt must be removed from all 3 major CRA 's.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (TN)

I was alerted by XXXX of new activity on my credit report. upon reviewing this alert I learned a collection was placed on my account by prince parker and associates. I looked into it some more and its from XXXX. I called XXXX  who can not find this account which I did not open. after a hour on the phone they were never able to locate account just the account I have with att that's in good standing for 4 years. I have been a victim of identity theft before and I have a fraud alert on my credit file I did not open this account or give permission for it to be opened.
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: DISCOVER BANK (PA)

XXXX XXXX has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX XXXX XXXX is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.
Consumer complaint received 2022-05-21
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: CITIBANK, N.A. (FL)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / CBNA, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ;
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my extreme dissatisfaction and frustration regarding the failure of compliance with the removal of a fraudulent account from my credit report. XXXX and XXXX have already removed this account, identifying an error. I demand immediate removal of this erroneous entry from my report. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.
Consumer complaint received 2022-05-21
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: Upgrade, Inc. (OH)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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. (NY)

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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and 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 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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. (NC)

Transunion, XXXX and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Consumer complaint received 2022-05-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (AL)

Case XXXX ( re : CMG loan XXXX ) closed because the company provided an explanation. However, they still have not explained why interest continued to be calculated during the period of covid relief. The junior lien paid to HUD and the payoff to CMG was over XXXX, {$12000.00} more than my original loan. I had XXXX late payments and was assured that using the covid relief would not harm me in any way when I agreed to the program. Here is an excerpt of the company 's response to my original claim : " The first payment was for {$8000.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The second payment was for {$6900.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The third payment was for {$2700.00}, this covered XX/XX/XXXX and XX/XX/XXXX installments. In addition, there was a contractual payment in the amount of {$1300.00} in the non-interest bearing ( suspense account ) that applied for the XX/XX/XXXX installment. On XX/XX/XXXX, the principal balance was {$170000.00}. '' Please reopen my complaint and insist upon a full explanation of their interest accrual process - my original loan was for XXXX ( Loan No. : XXXX Original Loan Date : XXXX Original Loan Amount : {$180000.00} Loan Type : FHA FHA/VA/MI No XXXX : XXXX Investor No. XXXX XXXX XXXX ) but my payoff when we sold the home, was XXXX to CMG and XXXX to HUD XXXX over XXXX! They could not have followed the correct terms for interest accrual if in fact, they were truthful when they offered the covid relief program. 
Thank you so much for your assistance.
Consumer complaint received 2022-05-21
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. (KY)

XXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Consumer complaint received 2022-05-21
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. (KY)

XXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to get a credit report for the last few years from Transunion and I get the same run around every time. 
Annualcreditreport.transunion.com tells me " We are unable to complete your request online '' OR " We are experiencing technical difficulties '' and then they proceed to tell me to call their number. 
So I go directly to Transunion website and sign up for an account with all my credentials after entering the site there is no info at all about my credit history on their site. So I try calling their number to request credit reports, they ask for my name, Say your name then spell your name so I do clearly, " My name is XXXX XXXX, XXXX XXXX '' Letters show up at my house with inaccurate names on the letter. Addressed me as XXXX XXXX and XXXX XXXX. 
So I call their offices and explain the problem, they tell me they will investigate the problem and someone will call in the next few days with an answer, No one ever called me nor emailed me. 
So I go back to Transunion website, when I go to login to the site it now tells me " Invalid Credentials : Please Try Again ''. How are they invalid? I just signed up and wrote down my information. 
So I try the " Forgot your Login Information '' and the site just blinks and wipes out the information I just typed in. 
I get this every time I try to get a credit report from Transunion. 

XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

i tried to open a bank account, and i tried to open an investment account with Chase Bank. Chase informed me that it would not open my account because i owed Chase money. However, i do not owe Chase money. I went in to the branch, and i also sent correspondence to Chase asking for documentation and evidence of this phantom debt. Chase refused to provide this, and Chase also refused to lift the restriction for my opening accounts. 

the Chase Private Client Banker who is my contact at Chase is XXXX XXXX, who works at the XXXX branch of Chase in XXXX XXXX, Florida. She was very rude and condescending and yelled at me, saying she refused to help me, and that she passed off my issue to her branch manager, who did not try to assist me either. i asked her if my money is at risk with Chase, she would not answer this question or my other questions. 

One other thing is that Chase opened and closed a secure banking account in my name without my knowledge or consent.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (KY)

XXXXXXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Consumer complaint received 2022-05-21
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. (DE)

Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX
Consumer complaint received 2019-07-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ASG Solutions LLC (TX)

I keep getting calls from a company called ASG Solutions LLC. The lady who left this message name is XXXX XXXX XXXX. I checked my messages today XX/XX/2019 I'm not sure if she called today or on XX/XX/2019. Any way her message states she is calling on behalf of XXXX shes been instructed to contact my place of employment today and to send out a courier and that I have been legally notified reference # XXXX. She would be calling my place of employment today. I called her number back got voicemail left a message stating she does not have the right to call my cell phone or employer. This message is threatening and has harrassing. Please stop these people from contacting me by phone and from calling or showing up at my place of employment. The only contact should be made by mail only. I'm sure they have violated some rules for debt collecting. I don't have any documents to attach I did save the voice message
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

EQUIFAX by way of their own admission has falsified information they provided to the CFPB ( see attached documents ). EQUIFAX still continues to violate my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). EQUIFAX has had 2 opportunities to conduct an investigation into the account list below, since more that 30 days have past and EQUIFAX DID NOT RESPOND within the time allowed by Federal law. However EQUIFAX still continues to report this UNVERIFIED account to my credit file. On XX/XX/2022 EQUIFAX responded to my CFPB complaint and stated XXXX XXXX is not currently reporting to my credit file this is a FALSE and misleading statement they made in response to my complaint, this response is nothing but an attempt to close my CFPB complaint, and still continue to violate Federal law. 
Account Name : XXXX XXXX
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ;
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX Capital One is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or about XXXX XXXXor XXXXof XXXX, I went to three car dealerships for a car loan and out of three i now have 16 inquiries on my credit report ; these are the ones I dont recognize XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.The car dealerships i went to was, XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX