davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/19, a representative from this company told me that failure to remit payment of {$1000.00} immediately would result in my credit score dropping up to 100 points and inferred that I wouldnt be able to get student loans next year because an unpaid debt was on my credit report.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I returned the XXXX drum machine back to the store was credited the amount. I opended a dispute and it was ruled in the merchants favor and I do not understand why when I showed that the merchant credited the amount back to my card. I opended the dispute in XXXX and took until XXXX to get XXXX to tell me that it was ruled in the Merchants favor. This time frame is unacceptable. I called your customer service in XXXX and Reopened the case. The rep assured me this was taken care and issued me refund for {$36.00} for a payment that posted to to you from my acct. I get a notice on XXXX that a payment is due again when i should have no payment due because its in dispute. I stay on the phone with XXXX different reps only to find out the rep that assured me in earlier XXXX the she opended the case never did. I had to refile the dispute. This process has been mentally draining... I am not happy at all. I am going to file a complaint with the XXXX  and Consumer Protection. I need a permanent credit placed on my Acct ASAP
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile. 

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, Possible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews. 

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -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 ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

I have been stressed, Depressed & On the verge of a XXXX XXXX XXXX. I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile.

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, XXXXossible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -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 ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I opened a new Venmo account. I had never used the service before. A friend sent me money through the app and I attempted to use those funds for an XXXX ride. Venmo declined the transaction with no additional information about why. I assumed that it may be because I had no backup payments associated with my new account, so I added a XXXX  debit card. This did not fix the problem. I then added my XXXX XXXX bank account and transferred out {$1.00}, to see if it was a Venmo or an XXXX issue. I also verified my identity within the app. I am unsure of which of these came first. 

Within a few minutes, my account was frozen for " violating the Acceptable Use '' policy. I had not done so, as everything I had done up to this point was not only within acceptable use but expected use. Upon contacting their customer support, I ended up with two open support tickets. The first response requested a copy of my driver 's license. The second requested a copy of my driver 's license and a bank statement from my XXXX account. I have provided both. They stated that they needed the statement to " prove '' I own the debit card. They are refusing to accept the statement because it lacks the last four digits of the debit card on it. But this is perfectly normal with bank statements and I have no way to correct it. I can not just force XXXX to change what they put on a statement. I have since removed my XXXX card from Venmo and added the XXXX bank account directly, verified through XXXX.
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

For the past 5 years I have been in a foreclosure status with Bank of America. I have returned all of the documents requested. As requested by Bank of America, I have submitted the same documents over and over. I lost my job and got behind in my payments. However, I have been employed for the last 4 years. At XXXX, I went back to college and got my XXXX. I have lived in my home for XXXX years on a 30 year mortgage. I do not want to lose it now. It seems for the past XXXX years Bank of America has been giving me the run-around. It seems they do not want to keep my home on their books. After XXXX years I find this very disturbing. I have been living in fear for 5 years. XXXX. This foreclosure is constantly on my mind!
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I have been dealing with Huntington National BankXXXX their tax department ( corelogic ) to get my property taxes paid since XXXX of XXXX. It is now XX/XX/XXXX and they still have yet to pay my taxes. I have made at dozens of calls to get this resolved between XXXX and now. I have done 3 way calls with them and the tax collector to ensure they had all proper documents to get this resolved. No payment has been made but the funds were removed from my escrow and XX/XX/XXXX. 

On XX/XX/XXXX I was told by a supervisor that the funds were approved and the check was being issued that day so it would be sent out that day or the following Monday XX/XX/XXXX. ( I do have all their contact info if needed ) The check was never issued and has yet to be sent. I have been on the phone with them for several hours yesterday XX/XX/XXXX after I received a call from the tax collector saying she has yet to receive payment. They keep telling me they are waiting for approval from their research department for the check to be issued. 

I am not sure why it has taken almost 4 months and still no resolution.
Consumer complaint received 2021-12-28
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. (MN)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hi, I have had a credit card with Capital One for a few years now and have always paid on time. However, i was hospitalized in XX/XX/2019, which resulted in a late payment reporting for XX/XX/2019. I am not disputing this debt, but I am asking for a goodwill adjustment. I have always paid on time and have continued to do so over the years. It was completely out of my control that I was hospitalized for a medical emergency and the payment was made late to the account.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-12-28
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 have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-12-20
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. (MO)

The following inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EZ Loans, Inc. (DE)

I notified the manager of the store location where the loan was obtained on XX/XX/21 via email that I could not receive personal phone calls at work. They then still called my work phone on XX/XX/21, so I reminded them again I was not allowed to receive calls at work. On XX/XX/21 they called my work phone again and I again reminded them not to call me at work. I received another phone call today ( XX/XX/21 ) despite numerous emails telling them I could get in trouble for receiving personal phone calls at work that they responded to.
Consumer complaint received 2016-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks barring us from entering the property XX/XX/XXXX / XX/XX/XXXX. We still tried to work with them but every 2 months they would say they were missing paperwork and the process needed to start over from scratch. In XX/XX/XXXX we filed Bankruptcy hoping that would give us a reprieve from BOA and the largely upside down property. We were discharged from bankruptcy XX/XX/XXXX. Unbeknownst to us, We now do not qualify for a new mortgage because A. we have a recent bankruptcy B. the property is still in my wife 's name ( even though the locks have been changed ) C. We get demand letters from the Condo Association regarding unpaid fees ( as BOA still has yet to foreclose the property ). 
We want to move on with our lives but there does not seem to be a way to do so ... Furthermore we will not qualify as 1st time home buyers when our Bankruptcy discharge hits 3 years, because BOA has refused to finalize the process they started 6 years ago.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer.

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system.

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers.