davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (PA)

I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX American woman with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by XXXX, XXXX and TransUnion Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for TransUnion, XXXX or XXXX to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The XXXXXXXX and time consumed trying to rectify these issues are burdensome and exhausting.
Consumer complaint received 2020-08-11
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)

Due to years of identity theft starting in 2016 ( that I am aware of ), my husband and I locked or placed a " freeze '' on our credit. Earlier this year, while trying to re-finance student loans, I tried to lift the credit freeze on my Experian report, but was unable to. When I went to reset my password for the online account, Experian automatically sent a reset link to the email address associated with the account. However, the email address was unfamiliar to me. I called Experian immediately and was told there was nothing they could do. A few weeks ago I tried to access the account online using a previously issued PIN but was unable to, and was instructed to send in a letter, picture ID, security card, utility bill, etc in order to access my account or lift the freeze. Someone has been using my identity to obtain credit, and Experian is allowing it, and putting the burden of trying to fix and re-secure my credit on me. The account should have never been hacked in the first place.
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: General Motors Financial Company, Inc. (NJ)

In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-11
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. (IL)

Transunion, XXXX and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc. (PA)

On XX/XX/2020, I got update from the collection company that they sent the update to credit bureau 's to remove the collection items on my credit file as XXXX XXXX asked the collection company to place the items on hold until they work with my insurance company for paying the bills. On the same day I had been notified that it might take any time between 30 to 60 days to get that collection items removed from my credit file as it depends on Equifax to process the update. I requested the collection company to fasten the process as I am in process of refinancing my mortgage due to low rates and this collection items will have negative impact on my credit file for which I got an answer that collection company did their part of informing Equifax to remove the collection items and they cant do any sort of expedition as its upto Equifax. 

So next I raised a dispute with Equifax saying the bills are paid by my insurance and those collection items must be removed from my credit file, for which Equifax sent the notification to Collection company on XX/XX/2020 requesting if those collection items can be removed from my credit file. Collection Company responded on XX/XX/2020 stating those collections are valid and they have to stay on my credit file until cleared, which clearly contradicts on what I was told on XX/XX/XXXX that the collection company sent the update to Equifax to remove those collection items. 

Now I request you to please look into this matter and help me get my credit file fixed as this collections are impacting my refinance of mortgage. 

Collection Company - Collection Service Center, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2020-06-17
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. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX   XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}
Consumer complaint received 2020-08-11
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. (AZ)

Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXXXXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX High Credit : Transunion {$1000.00} XXXX {$0.00} XXXX  {$41.00} Credit Limit : Transunion {$1000.00} XXXX  {$1000.00} XXXX  {$0.00} Last Reported : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Comments : Transunion : Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX  Charged off account Accounts closed by credit grantor Date Last Active : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of Last Payment : Tranunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

On XXXX XXXX I called Cavalry Portfolio Services to dispute a debt and verification with XXXX # XXXX. I was informed that XXXX XXXX was handling that account for them. On XX/XX/2020 I faxed my letter of dispute requesting validation of debt and to dispute debt to XXXX & Cavalry Portfolio Services. On, XX/XX/2020 I called XXXX XXXX to inquire why after 90 days that I havent heard back from them. I spoke with XXXX XXXX at XXXX and she informed that the debt # XXXX has been transferred back to Cavalry Portfolio Services. I contacted CPS and spoke XXXX ext. XXXX who confirm that they did receive my letters on XXXX and confirmed they didnt respond. I informed them by law they have 45days to send the requested information and that it has been 90days. 90 days has past in my my rights under the Fair collections debt have been vailate.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Name is XXXX XXXX. This complaint involves many parties ( The Merchant, The issuing Bank and VISA XXXX XXXX, all of which I have filed individual complaints. The party in this complaint is Capital One Bank in what I feel is in violation Claims and Defenses Provision and the Fair Credit Billing act. I have also asked VISA XXXX to investigate Capital One BankThe merchandise purchased was a sofa, delivered during the holidays in late XX/XX/XXXX using VISA XXXX. It was decided that the quality of the sofa was questionable. It definitely is n't 100 % leather as claimed. XXXX before the merchandise was delivered and this was a bigger concern as the hardness of the furniture made XXXX very uncomfortable, exacerbating the XXXX condition. 

After the merchant ( XXXX, XXXX Florida ) failed to listen to my concerns about the quality of the furniture and how it also created an uncomfortable environment, I decided to exercise my dispute rights explaining to capital One the reasons. The Capital One Chargeback XXXX case create was # XXXX. 
During the dispute cycle, I uploading several documents to Capital One 's Transaction dispute center. It was also discovered there was hidden damage under the furniture which the merchant, XXXX XXXX XXXX XXXX in XXXX Florida XXXX failed to address. Pictures of the damage were uploaded to the Capital One Transaction Dispute center as well, but with no response from Capital One. 

In XX/XX/XXXX Capital One found favor with the Merchant and re-billed the charge back. I have paid off the Capital One Balance with the exception of the disputed balance in question. I have closed out the account with the disputed VISA ending in XXXX and have also closed out my other Capital One account. I have asked VISA to investigate Capital One as I do not feel Capital One Honored my dispute rights properly. As of today I do not feel this remaining disputed balance is a legitimate debt due to the quality of furniture and other mitigating circumstances. I do not feel this is a valid debt due to the poor quality and well documented circumstances provided to Capital One. I can be reached at XXXX XXXX XXXX or via email at : XXXXXXXXXXXX
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I mailed in a dispute to Experian. I'd sent a copy of my credit report along with identification requesting they re-investigate/ delete and account which had been reported by XXXX XXXX to Experian XXXX the contract for credit had been cancelled/ rescinded by the creditor when it was determined I hadn't entered into the contract and service was never provided. After several hours on the phone with the creditor they were very helpful in resolving my issue, and advised me if any negative items have been reported to the credit bureau to have them investigate through their dispute and the item will be removed due to the original contract being cancelled/rescinded and they didn't have any information. 

shortly after mailing in my dispute to Experian i received and online notice that my dispute had begin on XX/XX/XXXX and would be resolved by XXXX. a Few days later I received an email that my dispute had been completed and updated. Experian did no investigation into my written dispute. i called on XX/XX/XXXX and spoke to an Experian representative named XXXX who verified that the account was updated but no dispute had taken place. if Experian did their job and properly investigated my dispute they would have found that information was unverified and the contract was cancelled due to being fraudulently obtained. Experian didn't even honor my request to submit the dispute via online. They did nothing! The Experian Rep XXXX agreed that dispute was not handled properly and submitted one via telephone. He also provided me an updated case # XXXX.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank opened two credit card accounts without my authorization. For many years, i had a checking account overdraft protection with Wells Fargo. At some point, Wells replaced this with a credit card account. I did not authorize the opening of a credit card. A couple of years later, they opened a second credit card account. 

I did not want the first credit card, let alone a second new credit card. I was in a tough spot though, because i did need the overdraft protection. I'm not sure if I gave up my rights by not objecting at the time, but I know that canceling a card goes against one 's credit score, so i felt trapped. 
After being more than 90 days late on one of the cards, Wells abruptly closed the account and demanded payment in full. 

I don't deny that i have a balance to the extent there was overdraft. I have requested that Wells refund the charges associated with the credit card including all fees and the difference in interest rate. 

I have never used the credit cards to make purchases.

Wells refused to make any concessions. Now we are in court and they are papering me with document requests. Please know that my requests ( multiple ) for my authorization of opening the credit card accounts have been ignored, including by their attorney. 

Is there anything the CFPB can do to help? 

Many thanks, XXXX
Consumer complaint received 2020-06-18
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: Law Offices of Robert J. Colclough, III (CA)

I received an alert on XX/XX/2020 that a collection account was placed on my report. I have perfect credit with no blemishes. I have never heard of the company or the collection agency, which I have never heard from via written or voice communications. I had pervasive and repeated Identity Theft over the last few years, I sent Allied Collection Services of California the FTC Affadavit of ID Theft with a nortarized statement, and two police reports regarding the ID THeft, and told them it was urent. They didnt respond, and I called back to talk to a manager and they would not let me. They placed this on my XXXX XXXX and XXXX reports with no warning, no letter, no call. I provided all of the documentation at once proving it was fraud. I see many complaints about this companies practices so I need protection from having my credit ruined due to fraud. Please advise.
Consumer complaint received 2020-08-11
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. (PA)

XXXX XXXX incorrectly reported me late. I reached out to Experian and XXXX  and they " investigated '' One day later the incorrect information was upheld. Im furious, XXXX get an intelligent person at XXXX.
Consumer complaint received 2020-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Newrez began servicing my mortgage XX/XX/2020. Ive had problems from the start. First they paid the wrong insurance company {$1800.00} I called them and made an online payment to escrow for {$1800.00} so they could pay the correct insurance company and waited to receive my refund for the cancelled insurance. 

On XX/XX/XXXX, XXXX I received notice that my hazard insurance had expired and they planned to buy insurance for my property. I again called them and gave my insurance company ( Foremost ) and policy number, XXXX. For some reason Newrez could not get the premium paid to XXXX but my insurance was still in effect. On XX/XX/2020 after receiving another request from XXXX for payment, I managed to get representatives from both companies together on a three way call. Finally, they got it straightened out. 

Newrez claimed nothing would change but the first thing they messed up was dropping the extra {$10.00} principle XXXX was processing. I decide to wait a couple of months and then add the extra back to my payment. I paid {$850.00} from XX/XX/XXXX thru XX/XX/2020. On XX/XX/XXXX they deducted {$990.00} and tell me that is my new payment. 

My hazard insurance is {$1400.00} per year, my taxes $ {$1500.00} for a total of {$3000.00} or {$250.00} per month necessary to pay both from my escrow account. They want a required cushion of {$500.00}. What law requires me to furnish them an interest free loan? 

My payment record and credit score should reassure them that the bills will get paid. After all, I paid the {$1800.00} to allow them the funds to pay XXXXXXXX. 

By my calculations, my new mortgage payment should be {$870.00} NOT {$990.00}. Thank for any assistance you can give me.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NH)

TD Bank. I had to close an account do to it being a victim of check fraud and open a new account. On XX/XX/19 checks came through to my to my old account and my overdraft protection kicked in. I made a payment from the new account to the overdraft protection. Apparently I should not of been able to do this so the payment was rejected and since the old account was closed it had no where to go and kept getting bumped around. I have talked with multiple people at TD bank everyone agrees the money is lost and no one knows where it went. It is no ones job to fix this at TD Bank. The amount is {$1500.00}. There are several notes on my file and everyone can see the money is lost but no one at TD bank is able to fix this.
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is reporting a XXXX collection account to Experian & XXXX. in the amount of {$580.00}, this balance was paid in full in XXXX. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$580.00} Account Status : Derogatory