davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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. (TX)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the HIGHERED partial account number XXXX. Transunion is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and 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
Consumer complaint received 2022-02-25
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. (TX)

I HAVE CONTACTED EXPERIAN MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EXPERIAN KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EXPERIAN IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EXPERIAN HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes on EVERY 30 DAYS for 12 months and this company have not send me any mail or dispute results to my home address, complete ignore my disputes, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (FL)

I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.
Consumer complaint received 2023-06-07
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. (PA)

Its has been since XXXX of XXXX  to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/2022 to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Please verify Within 5 business days in compliance with FCRA XXXX XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

We closed on our property around XX/XX/XXXX, and our total monthly payment has been {$1200.00} with {$170.00} of that being held within the escrow account for property taxes and insurance. 

When I called the bank, they informed me that we are currently - {$6900.00} on our escrow account because the amount withheld only covered part of the taxes for the year. It's obvious no one else at the bank checked the amount needed to make sure that the whole years taxes were being accounted for in the escrow payment during the originations process. I've already filed numerous complaints with the bank about the loan during origination, and now a year later we're still dealing with this nonsense. The total payment will be raised to {$2100.00} on XX/XX/XXXX with {$560.00} of that going to escrow, and another {$580.00} to deal with their XXXX up. 

As of right now, all they're willing to do is make us pay the amount we're behind immediately, or benevolently let us pay it over 24 months when we had nothing to do with the amount being wrong to begin with. The bank obviously isn't going to do a thing to help us out of the mess they put us in, we need help!
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (TX)

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 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. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Consumer complaint received 2023-02-14
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. (AL)

XX/XX/XXXX -- - ; I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, Transunion XXXX on XX/XX/XXXX ), XXXX XXXX on XX/XX/XXXX ), and XXXX ( on XX/XX/XXXX ) ;. ; Transunion has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Transunion 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Transunion. Transunion should remove the Public Record bankruptcy and associated bankruptcy accounts immediately.
Consumer complaint received 2023-02-11
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX- Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MS)

This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a XXXX   balance 1XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
Consumer complaint received 2023-02-11
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. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I have spoken with Transworld Systems Inc attorney for possibility of settlement. Here attached is an Affidavit of Truth and Facts with exhibit and invoice for FDCPA violations that has been emailed to XXXX XXXX at XXXX. 

If myself and Transworld System Inc. are unable to settle this matter, I will gladly present this Affidavit of Truth and Facts to the court as evidence of me trying to settle this matter outside of court.

I have yet to receive any proof that the debt collection letter labled Exhibit A has complied with the FDCPA 's rules and regulations for debt collection. Therefore, Transworld System Inc. is to present to me with a certificate in testimony that the debt collection letter labled Exhibit A is in fact compliant with the FDCPA and not subterfuge.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

A checking account was opened XX/XX/XXXX for a Living Testamentary Trust to care for a person during his lifetime. At his death the remainder of the Testamentary Trust was to be returned to the Living Trust. This person died on XX/XX/XXXX. There was a balance of {$15000.00} at the date of death. This money remained in the account until the estate was settled. Upon contacting the bank on XX/XX/XXXX I was told that the account had been closed as it was overdrawn. The funds were slowly depleted fraudulently from XX/XX/XXXX through XX/XX/XXXX until the Bank closed the account for being overdrawn. The fraudulent withdrawals were debit card purchases and ACH charges. The Bank has refunded the {$660.00} of debit card purchases. We were told that there will be a check coming for {$3400.00} from one of the ACH charges, but it hasn't arrived. There are {$4200.00} XXXX charges that were denied. I have contacted XXXX and was told it was over two years old so they denied responsibility and that we should file a police report. The rest of the charges are " pending ''. I have contacted the bank on at least 14 occasions but never talk to the same person. There are three different claim numbers that have been provided to me, and at least four different departments involved. I feel the bank has not met it's fiduciary responsibility in this case and should pay the Trust the amount that was in the account at the date of death.
Consumer complaint received 2023-01-17
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. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over XXXX  years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over XXXX  years. The credit bureaus are not following their own laws. Its been over XXXX  days. Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

I the consumer asserted my rights to validate a debt with UNITED COLLECTION BUREAU INC. However, UNITED COLLECTION BUREAU INC decided to continue violate my rights by denying me the right to validate any " alleged '' debt amongst others. I have details of these individual actions in the attached documents.