davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my consumer report, I was surprised to find that the following company ( XXXX ) is/are reporting charge off ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( XXXX ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( XXXX ) listed below. 

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, 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.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Upon reviewing my credit card statements for the prior year, I was surprised to find a Fee attached to my account that I was not aware of. The fee was listed as XXXX and I was unfamiliar with it. I called Citibank customer service on the weekend, and they informed me I had to call another number on a weekday. I called the new number on Monday and was informed it was a debt protection service on my credit card. I explained that I never signed up for any debt protection service, at which time I asked to cancel the service. I said that I wanted to cancel and wanted a refund for every month that I was mistakenly charged for the service. On XX/XX/XXXX, I received a letter from Citi stating : " Thank you for your recent inquiry regarding your enrollment in Enhanced Debt Protection. Our records indicate that this protection was purchased on XX/XX/XXXX. 
Pursuant to your recent request, your enrollment in the optional protection program called Enhanced Debt Protection has been cancelled. 
Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I was shocked to learn that I have been charged this fee since XXXX when I opened the account. Upon further research, I learned that in XXXX, CFPB ordered Citi to refund customers for unfair and deceptive practices related specifically to this issue. 

Citi did not refund any of the fees charged to me. Additionally, there is no access to information regarding the debt protection service on the website. 

I currently only have access to statements as far back as XXXX, XXXX, so can not confirm the exact amount charged over the entirety. I was charged {$720.00} for the dates of XX/XX/XXXX through XXXX of XXXX.
Consumer complaint received 2023-11-02
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (NY)

While FHFA made it mandatory effective XX/XX/XXXX for lenders to provide up to 6 months of payment deferral with specific instructions that cumulative cap of 12 months does not include past-due P & I payments deferred as the result of a disaster payment deferral or a XXXX payment deferral. ( See attached exhibit B ) Shellpoint/NewRez openly defy these regulations by failing to execute a XXXX XXXX XXXX for the current payment deferral which was requested for 3 months from XX/XX/XXXX to XX/XX/XXXX upon exiting a 3 months forbearance. 

NewRez LLC XXXX Shellpoint has previously provided a deferral on the account on or around XX/XX/XXXX due to XXXX XXXX and XXXX XXXX  XXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to XXXX shut downs and shelter in place. 
NewRez XXXX Shellpoint were in consistently receipt of monthly mortgage payments for over a year and a half after they issued the said disaster and XXXX  XXXX payment deferral on XX/XX/XXXX. The current payment deferral was requested for 3 months from XX/XX/XXXX to XX/XX/XXXX upon exiting the 3 months forbearance which is not being executed by NewRez LLC/Shellpoint . 


As of today, and despite of their previous pre-approval dated XX/XX/XXXX, the Servicer declined to proceed with Payment Deferral Agreement ( to Extend the term of the loan for the number of months the loan has been in forbearance which is 3 months from XX/XX/XXXX to XX/XX/XXXX ; ) Attached in exhibit A is a public announcement by FHFA stating that the Servicer is OBLIGATED to provide Payment Deferral Option as of XX/XX/XXXX. 

Attached in exhibit B is the XXXX XXXX guidelines issued in XX/XX/XXXX that state : This cumulative cap does not include past-due P & I payments deferred as the result of a disaster payment deferral or a XXXX payment deferral. 

Attached hereto as exhibit C is the confirmation email by Shellpoint dated XX/XX/XXXX with pre-approval for payment deferment of the accumulated payments inclusive of XXXX payment to the back of the loan which NewRez LLL/ Shellpoint now refuses to execute. 

Shellpoint is OBLIGATED to comply with mandatory FHFA regulations effective XX/XX/XXXX for lenders to provide up to 6 months of payment deferral with specific instructions that cumulative cap of 12 months does not include past-due P & I payments deferred as the result of a disaster payment deferral or a XXXX payment deferral. ( See attached exhibit B ). 

NewRez LLC /Shellpoints compliance with FHFA regulations is not optional.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
U S DEPT OF EDXXXX : [ NO ACCOUNT NUMBER XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX XXXX : XXXX... 
USDOE/XXXX XXXX XXXX... 
XXXX XXXX : XXXX... 
XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-17
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. (TX)

he following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602A. 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 instrutions 15U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open end consum, er credit plan as late for any purpose.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS XXXX. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Someone theft my identity and opened an account with Capital One Bank in my name. Also, the check amount of {$140000.00} under my name was stolen from my Adjuster ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sent from my house 's current mortgage insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my fire damage house repair.
Consumer complaint received 2023-05-20
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. (UT)

Equifax repeatedly has sent me numerous items in the mail to the XXXX XXXX XXXX ( see attached ) that is incorrect and has been closed since XX/XX/2023! Instead of addressing the actual problems that I'm disputing they keep sending me the attached letter in an effort not to fix the problems and to stall as they always do. I'm refusing to respond to these types of requests now or ever. I dispute through the CFPB for this reason because this bureau is notorious for not doing its job!
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Date of last payment is incorrect And is not accurate between all XXXX major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. 

Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. 
I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. 
I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. 
Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. 
Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. 
XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. 
Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. 
I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX. 
Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX. 
Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. 
Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. 
Consider further action, including public enforcement measures against XXXX XXXX if they fail to comply with the CFPB 's recommendations. 
I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. 

Thank you for your continued attention to this matter.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (OK)

I was informed today by XXXX XXXX there is auto accident on my record but I have not had a vehicle. 

XXXX informed me the information is listed on the XXXX report for Lexis Nexis. 

I have not had a vehicle since XXXX because I was in the military and out of the country. I returned back to the United States in XX/XX/XXXX and still do not car. 
In XX/XX/XXXX, while visiting the US my license and other documents were stolen because I lost my purse. During that time I had to request a credit lock and monitoring. This is the only even I can think of for the record Today, XX/XX/XXXX while in the process car buying and getting insurance I was informed of the situation on my record. I do not even know who to contact since I wouldnt know why it is on my record. 

I would love to get this resolved as it affects my insurance coverage and policy. Thank you!
Consumer complaint received 2023-02-17
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. (NC)

I have a XXXX XXXX XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

As the first use of my Venmo account, a friend transferred {$360.00} to me as his share of an upcoming cost. To do the Venmo standard transfer, I had to prove ownership of my bank account. They offered XXXX ways to do this : through a third party called XXXX ( about which I later learned horrifying things ) or manually by verifying a sequence of small-amount deposits. Both methods failed, repeatedly. Phone help was no help and insisted I pay 1.75 % for the instant transfer option.

In other words, they are holding my money hostage and they want 1.75 % ransom. 

I want my {$360.00} in full, with interest back to XX/XX/XXXX, when they put this obstacle in my way.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (WA)

On XX/XX/2024 I received notifications from the moneylion app that there were multiple transactions that took place in the early evening. These transactions were not from me nor were they approved by me. XXXX of them were instacash payments in the amount of {$100.00} each. And XXXX in the form of a credit builder loan which I also did not approve of or request in the amount of {$1000.00} which {$350.00} was sent to an individual I do not know. Also this person signed up for an account that was {$10.00}. In total these fraudulent transactions were for the total amount of {$750.00} that I did not request nor approve.
Consumer complaint received 2023-02-10
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. (NY)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-17
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. (NC)

I have a XXXX XXXX  XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.