davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

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, 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 1681's-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 inforation is inaccurate
Consumer complaint received 2020-03-10
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX  XXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AZ)

I have a Discover credit card - each and every time a payment is late ( not delinquent, just not on the due date, less than 30 days late ), I receive repeated phone calls almost every day of the week. In the last 3 days, I have received 10 phone calls from them with no messages left. The tactic is harassing and intrusive.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.
Consumer complaint received 2023-01-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears
Consumer complaint received 2021-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX without my authorization ran my credit score on XX/XX/2021. 

Capital One without my permission ran my credit report on XX/XX/2021.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX  XXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!
Consumer complaint received 2020-01-16
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. (GA)

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-03
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. (IL)

I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-03-05
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. (IL)

Experian Has refused to send me documentation used to " verify/validate '' the debt that I have several times I have requested. Experian on numerous occasions sends me computer generated responses and does not look into the full extent of my dispute reasoning. Experian says taht I need to provide additional relevant information and information that was not presented when previously disputed. Well if Experian would actaully read the disputes and notice that I am asking for documentation and information that was used in the alleged " verification process/validation process ''. If they would answer that response than my letters would stop but since they have not answered them than I have every right to dispute and send letters. Experian has an obligation to fulfill the requests that the consumer asks for.
Consumer complaint received 2020-01-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (OK)

A person named " XXXX XXXX '' called me, friends, ex family, my husband 's ex wife, who knows who all- looking for me to discuss a " Fraud '' activity, and even giving more details than that. When I called her back, gave her the case # XXXX she left on the voicemail ; she said she was with the State of OK Fraud Dept, and I have two pending litigations, felony charges- that are about to be placed against me for taking out an electric payday loan and not repaying. She said I had to make a statement at that time, which I told her I was not prepared to do so. I repeatedly asked what company she worked for, and asked why they are just now contacting me 8 years later, and why is this being discussed via phone call, when I've received no mail or anything regarding this. She wanted to ask me questions on a recorded line, when I put an end to the conversation and told her that I wanted something in writing. She told me they are pursuing charges now, and " Good Luck ''. She gave out my personal and confidential information to anyone who answered the phone. This payday loan is from 2012. Although, I'm not denying I had one, threatening to have me arrested unless I pay in full on the phone is too much.
Consumer complaint received 2023-02-03
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. (NJ)

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2020-03-10
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-01-05
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: EQUIFAX, INC. (IL)

Hi I am seeing hard inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I know majority of them should have been disputed by now because its been over a year. Can you please contact me back when someone has the time, thanks!
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MS)

Dear American Express Compliance/Legal Department, On XX/XX/XXXX I was informed via email by American Express that charging on my credit card account was suspended, and that I would need to complete and return a tax form called the 4506T in order to conduct a financial review. I promptly completed the form and followed American Expresss instructions to securely submit it. However, I mistakenly signed my name electronically whereas the form required me to sign it in ink. I was informed that I had made this honest error by XXXX XXXX, an Account Manager with  the American Express Financial Review Team. His direct line is XXXX, extension XXXX. 

I summarily completed the form again, signed it, and electronically scanned the document to send to American Express on XX/XX/XXXX. However, as I can now see, I mistakenly wrote the date as XXXX, instead of XXXX, due to my forgetting the recent New Years change. Today, XX/XX/XXXX, I contacted Mr. XXXX via phone to request an update on the status of my account. He informed me that the IRS had rejected my form 4506T because of my clerical error. This matter was also an honest mistake ; however, Mr. XXXX told me that American Express will not allow me to submit the 4506T document more than two times, but he specifically stated over the phone that this policy is American Expresss, not the IRSs ; the IRS would gladly allow me to submit another form. Mr. XXXX explained that because I had already submitted the document two times, I had no more chances to verify my income with American Express and that my account would be closed. Nevertheless, I would be very distraught if I were to lose my American Express credit card account. 

I am submitting this complaint, along with the attached documents, to respectfully request that I may be allowed to submit my documents one more time, without error, so that my account may be reinstated, and I may enjoy the benefits of being an American Express Blue Cash Preferred cardholder. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute with XXXX and Transunion in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

1. I have a mortgage starting from XX/XX/XXXX served by XXXX XXXX XXXX ( XXXX ) and I have paid twice through the mail but I did not receive any confirmation. I try to log in to my account to see my information ( my remaining loan and all the payments I have made ), but the reference number they gave to me is wrong and I can not log in at all. I called them and every time they said they will solve but nothing happened. 
2. On XX/XX/XXXX, I got an email saying that my mortgage has been transferred to the Shellpoint Mortgage Servicing XXXX http : //www.shellpointmtg.com ) and they also gave me a new reference number to access my account. I still can not use this reference number and my SSN to access my account on their website. I called them many times and they did nothing but perfunctory. I have no other ways. 

It is our right to receive the confirmation of our payment and check how many loans are remained to pay. I need to know the details of my payment and mortgage progress. I even can not pay online. Thank you very much if you could help me. 
My name is XXXX XXXX. My property address for the mortgage is XXXX, XXXX XXXX XXXX, XXXX, XXXX, VA.
Consumer complaint received 2022-02-24
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)

I disputed an account reported on my report and asked for proof of verification of accuracy of a {$240.00} collection on XX/XX/XXXX. As it shows on the certified receipt it was received on XX/XX/XXXX. I received a report stating the item was verified but zero documentation of how it was verified, which was specifically requested. 
On XX/XX/XXXX I submitted a second request asking how the item was verified and with whom. That letter was recieved on XX/XX/XXXX. I recieved a report that the item was updated but still no information of how this item was verified to be accurate.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Under my rights of FCRA 611 ( a ) ( 7 ) I'm requesting a complete description of all methods used to investigate my disputes that was verified by Experian under CFPB Complaint # XXXX XXXX I sent a letter on XX/XX/ to do a method of Verification and Experian failed to submit the information requested.

( See attached )
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I have been working with Select Servicing Portfolio sinceXX/XX/XXXX to get a loan modification written. 
I am paying a interest rate of 8+ % on a loan issued by XXXX XXXX  XXXX  ( closed by the Federal government ). 
My husband and I have been separated and he is XXXX. I have been honest with the Mortgage Servicer and was given a " loan modification trial '' in XX/XX/XXXX. My payments were adjusted from $ 3700+ monthly to about $ 2300/monthly ( which I am able to make ). the trial ended in XX/XX/XXXX and we received a loan modification packet to be signed by both of us. 
I contacted our family attorney and he suggested I complete a title search and request new signature pages ... with each signed separate as the modification should be signed and notarized. SPS suggested I sign my husbands name which the attorney refuses. Yesterday I contacted SPS and they said my modification has been withdrawn. I waited for many months for the modification to happen and they are taking it away because of the advise I have taken of our attorney. PLEASE HELP!
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc. (CA)

I continue to repeatedly get calls after I told them I never received a bill, I told them to send me a bill and stop calling me. They continued calling me I didnt receive the bill until XX/XX/2020 the letter stated I had 30 days to make a payment however the collection agency reported this account to my credit. I didnt have a chance to even call and make the payment. Im requesting to remove this account from all 3 credit bureaus in return of payment.
Consumer complaint received 2023-05-03
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)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

EXPERIAN HAS PLACED THE FOLLOWING CONSUMER STATEMENT ON MY FILE AND I NEED IT REMOVED XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


THIS IS A BOGUS STATEMENT PLACED BY THIS COMPANY WITHOUT MY PERMISSION.
Consumer complaint received 2023-01-10
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}