davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (MO)

I am sending this CFPB complaint and I am asking for further assistance in order to eliminate these particular items in question which are reporting repeatedly on my credit file. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. For that, I am hopping for your help to delete this items : XXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX Unpaid Balance {$16000.00} ; XXXX XXXX XXXXXXXX Unpaid Balance {$700.00}.
Consumer complaint received 2023-02-27
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. (FL)

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Account # XXXX 15 USC 1681 Sectio

n 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 reason purpose.
Consumer complaint received 2023-06-14
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-27
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. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2023-06-27
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-27
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. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached doc detailing how XXXX XXXX  Reinserted a previously deleted negative erroneous account back onto the my consumer report. After researching my rights in this matter I see that my rights have been violated in this regard as the consumer law states as follows : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

After I filed a complaint against them on this website, they put on my credit report that the account is now closed, which in turn lowered my credit score by XXXX points. They did not really close my account. I have made a payment to them after this account was supposedly closed and they said nothing about it. Also, if you look on the report, they closed it under 'One Main FI ' and reopened it under 'One Main '. It is the same company. They are just doing this as a retaliation for me filing a complaint with this bureau in regards to their harassing me. My current case number for the harassment is # XXXX
Consumer complaint received 2023-06-14
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX 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 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 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

I surrendered the home in my divorce in XXXX. My ex-husband was not able to refinance the mortgage and fell behind. Several lawyers advised me that I would have to file bankruptcy to prevent the mortgage company from attempting to collect the debt. The bankruptcy was XXXX in XXXX, including that mortgage. That account showed " included in Bankruptcy '' until earlier this year when ShellPoint Mortgage acquired the loan. A new open mortgage appeared on my account showing missed payments, and in foreclosure. The account was listed as an open, individual loan in my name for that property on my credit report. 

I contacted ShellPoint and spoke to Loan Mitigation XXXX XXXX XXXX. She informed me that filing bankruptcy did not do anything to keep me from being liable for that debt, and that the company could legally report the information on my credit report. She said that the information would remain until my ex-husband made 3 trial payments and they received a copy of the divorce decree and quitclaim deed. I also spoke to a gentleman in Account Services about the incorrect information on my credit report. I advised him that the account should show closed and the comment should state " XXXX in bankruptcy ''. He said that they would not remove the information and that they had every right to collect on the debt, even if I had released it in bankruptcy. There was a notice before that call that it was a recorded conversation. 

I have repeatedly sent the certified divorce papers and quitclaim deed. XXXX continued for several weeks to say they have never received them. Today she has claimed that they received them, but they have to make sure that it " suffices to remove me from the loan ''. Also, she continues to claim that payments haven't been made, despite proof my former spouse has provided that the money was sent and withdrawn from his account. 

ShellPoint has blatantly violated Federal Bankruptcy laws as well as the Fair Credit Reporting Act. They have bullied me and outright lied about my rights as a consumer in an attempt to collect a debt that was XXXX in bankruptcy. They have provided inaccurate information to the credit bureaus to be filed on my credit report, and refuse to remove it. They hold my credit XXXX while they attempted to collect a debt from my former spouse. I have filed disputes with the credit bureaus, but the disputes cam e back that ShellPoint verified that the information was correct.
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I wanted to state that my experiences with Citizens Bank have been ongoing practically since the time I joined in 2011. Three areas of concern entail not establishing a set normal withdrawal limit as well as an overdraft limit ( resulting in unnecessary charges ) and transitioning from just an NSF fee per occurrence to including a XXXX sustained fee then to a XXXX sustained fee charged in XXXX intervals totaling XXXX. Your assistance would be greatly appreciated in establishing a set policy instead of having the bank make changes without notifying consumers in advance. 
Thank you, XXXX XXXX Customer account XXXX
Consumer complaint received 2023-06-27
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-07
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOBXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear XXXX  XXXX XXXX Im writing to your company today inference to the account number listed above. I recently view my credit report and disputed this information with the credit bureau keeps saying that the account is reporting correctly. I noticed some serious violation of the federal law. And the fair debt practices act on your behave first of all this account is charge off- you didnt indicate in your reporting who the debt was transferred or sold to major violation! 
Violation number 2 there is no dos or dola listed on the account. This is a violation! 
3 FCRA 623 states that the creditor must must enter a noticed of consumer dispute if this information has and must entered on the credit report you have failed to do this as well. 
1. Also you are reporting a balance on a account that you know longer own this is a major violation you are not allow to report a balance. 
2. Also you are reporting a past due balance on a charged off account if you charged off this account their should not be a passed due balance on a charged off account 3. XXXX XXXX XXXX there is a serious violation you are committed and you are not following the FCRA and the FDCPI ask that you delete this account from all three my credit file ASA If 4. You do not delete these serious Federal Violation immediately I will file suit you
Consumer complaint received 2023-06-27
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

Deferred Interest promotion with XXXX 's was not upfront about the way balance would be paid. Instead of the payments always going toward the first balance, they split the payments making it so the promotion would expire and you would acrue 28 % interest starting at the beginning of the loan. If you wanted to allocate a certain way then you would have to call them but verbiage makes it seem like you would only need to do that if you wanted to change the way it was being charged. We did not use the card for at least the first year so there was no reason the think that our budgeted payments would not be sufficient. Payments should be first in first paid unless requested otherwise, not " reallocate where we want unless you tell us otherwise ''. Statements are not intuitive and not transparent and XXXX 's employees were not clear. This is a shady practice that is meant to catch people off-guard instead of making the process comsumer friendly.
Consumer complaint received 2023-06-27
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I received a bill from my loan servicer for {$54000.00}. They are charging me for legal fee 's for correcting a lot mix up by the builder. I got a lawyer through XXXX XXXX XXXX to handle the proceedings. Before things were final I received several bills. We responded twice, asking them why we are being charged these fee 's. They responded with a break down of the legal fee 's concerning this case. During this process Bayview has done nothing but prolong the case and cause my husband and I unnecessary stress. I called XXXX XXXX XXXX for advice and they told me that Bayview has been nothing problems and in many instances were in violation of my contract.
Consumer complaint received 2023-02-27
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-27
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. (MI)

In the attached items, Are two accounts that I did not open, My mother opened those accounts in my name years ago and did not make me aware of them. It wasn't until I looked at my report myself and saw these accounts. I've filed three disputes however they were ineffective seeing as she used my name and social security number for these cards however they were used without my knowledge and There's not an available option for that circumstance, so i'm just trying to undo this mess
Consumer complaint received 2023-06-14
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Subject : Consumer Complaint Regarding Violations of Consumer Financial Protection Laws Dear XXXX XXXX XXXX, I am writing to express my concern and dissatisfaction regarding the recent placement of a collection account on my consumer report by your agency. I believe that your actions have violated several consumer protection laws, outlined as follows : 1. **Failure to Provide Validation Information** : Under 12 CFR ( b ) ( 5 ), you are required to provide validation information upon request. However, I have not received any validation information despite multiple requests. 

2. **Denial of Dispute Opportunity** : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute accounts. I have not been given the opportunity to dispute the account in question. 

3. **Use of Deceptive Means** : Your agency has engaged in false, misleading, and deceptive practices, which is a violation of consumer rights. 

4. **Failure to Provide Required Disclosures** : Your agency has furnished the account to consumer reporting agencies without providing the necessary disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Additionally, I want to inform you that I am disputing any and all debts owed to your agency. Furthermore, I am revoking all rights for you to communicate with me via text, email, or phone calls. 

As part of my rights as a consumer, I am requesting the following : - Debt validation for the account in question. 
- The purchase agreement between your agency and the original creditor. 
- Proof of your agency 's licensing and bonding. 

Please provide the requested information within [ insert timeframe as per relevant laws ]. Failure to comply may result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2024 XXXX