davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (MO)

On XX/XX/2023 I sent a debt validation letter to Blitt and Gaines, P.C located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mo XXXX. Phone number : ( XXXX ) XXXX TTY : XXXX. They have failed to respond but continue to pursue me in court. I then mentioned in court that they have not complied with the FDCPA. Their response was that their debt collection firm doesn't have to observe this law. On XX/XX/2023 I sent another debt validation letter via email to Blitt and Gaines, but they've fail to respond once more. Blitt and Gaines continue to pursue me in court.
Consumer complaint received 2020-11-11
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: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (MO)

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.

Account bankruptcy, XXXX XXXX discharge.. XXXX Account XXXX .. XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account 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 2022-11-06
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. (PA)

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. 


Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX 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 2020-11-11
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)

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/2023 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-22
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. (VA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ). 

As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being " PAID/PAYS as AGREED, NEVER LATE ' and as nothing else.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-11-11
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)

I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I haven't applied for any student loan on XXXX and I didn't authorize any change of lender of a credit line... Send me the lender 's contract with my signature!
Consumer complaint received 2020-11-11
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. (FL)

I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.
Consumer complaint received 2020-11-11
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: Experian Information Solutions Inc. (TX)

I sent 3 different letters to Experian for different. After tracking them I was able to see that Experian had signed to receive all three letters on XX/XX/2020. Experian only responded to one of the three letters received. I sent out a failure to respond letter in which they received on XX/XX/2020 along with copies of each letter I had originally sent to them and all 3 copies of the certified tracking slips that I received when I mailed the letters to Experian. Ive submitted complaints with the CFPB in regards to how Experian has handled my previous disputes and how some of my previous disputes had not been marked as in dispute even after pointing out the FCRA violation. It is obvious that Experian has not performed an independent investigation into my issues and they do not care to follow the laws afforded to consumers under the FCRA. I recently received an updated credit report with no changes! Why were these accounts not handled properly? Experian failed to respond to my disputes in the allotted time provided to them by law which is cause for an automatic removal of all the disputed accounts in the letters sent to them on XX/XX/2020. In previous complaints placed through the CFPB Experian either reopened the dispute and made no change or responded and informed me that they could not look into the situation because they were not sure I was who I claimed to be.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (TX)

Credit Ninja 's website fraudulently claims that it is not a payday loan company and has extensive descriptions about how its " Installment Loans '' are better and lower interest than payday loan companies. It falsely advertises its loans as " Installment Loans '' which typically have interest that can be reduced, if paid back early. There is no description on its website that states what I was told after I signed a loan, and spoke to a representative over the phone. The company is in fact a predatory lender and should not be allowed to falsely advertise itself as an alternative to a payday loan company. I was told over the phone, that this company is a CAB company and it does not fund the loans. It only collects a CAB fee. The fee they added to my {$1000.00} loan is {$15000.00}, which is 250 %. The representative I spoke to over the phone, right away pointed me to language in the loan agreement about the CAB fee not being interest ( which is the only place it appears ) which means two things : first, they get this complaint all the time, and secondly, they know their advertising and website to be misleading. I asked if I paid the loan back early, could I reduce the amount owed, and I was told there is no way to reduce the CAB fee. I was told they only thing I could do is default and try to settle for less than I owed and it would be reported to the credit bureaus. This lender is unscrupulously taking advantage of consumers with false advertising and unwilling to take a fair settlement without damaging consumers credit.
Consumer complaint received 2020-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I had a equity line for the sum of {$40000.00} when i purchased my home thru Ocwen well this was in approx. the year 2001 well it was never disclosed to me that the XXXX XXXX dollar payments a month in the terms was only going toward the interest on this loan. I am a blot naive to real-estate practice and was never aware that this equity line has never went down for the past 20 years the loan was sold to PHH Mortgage within the last year or so, .well I got behind on payments to Ocwen and they tried to foreclose on my property. in which forced me to file a chapter XXXX.well last 5 years I have not missed a payment and my chapter XXXX is complete .I have tried to contact someone at PHH on numerous occasions in which I get thrown from one person to another and never get anything resolved. Now I have been sent a letter that the loan has reached its maturity and they demand that i pay {$37000.00} to them in which is impossible. I am stupid to believe my loan should have been paid off a very long time ago instead I just kept making interest only payments don't know which avenue I need to turn to.at the first of XXXX we were in a pandemic and I went to their hotline and did what I was told to-do well I assumed I was under a forbearance and with no work I could not pay for 4 months they tell me they have no forbearance documented now and this loan has reached its limit. don't know who to turn to feel like I have been taken fully advantage of the last 20 years because of my lack of education and being naive to the real estate procedures? don't know who to turn to for help cant afford a attorneys and feel I have no leg to stand on please direct me in the direction I need to go with this because nobody at phh mortgage has a clue what's going on I get put on hold from one person to another and every person in that company just don't want to deal with me so they either hang up on my call or put me on hold to someone else then get put on hold and the possess starts over in one vicious circle .I operate my own XXXX and I dont have four hours a day to play phone games with them and in the end never get anything resolved. please help
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/year> XXXX CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (PA)

n 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 
on XX/XX/23 XXXX XXXX  # XXXX XXXXXXXX original creditor XXXX  XXXX balance {$2300.00} XXXX XXXX XXXX  XXXX XXXX original balance XXXX current balance XXXX this company sold the account to XXXX and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING XXXX
Consumer complaint received 2020-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

Last XX/XX/XXXX, The Home Equity Loan that I took out with US Bank, contacted me to tell me that in one year, my draw period would be over, and that the terms of payment would change. I was advised to call the bank to discuss options. I called and spoke with someone by the name of XXXX. I believe her last name was XXXX, but I could be wrong. I asked her what my monthly payment was going to be, once the new terms were in place. She told me she would have to do some research and get back to me. Two days later she called back, and advised me that my payment would be somewhere around $ XXXX month. At that time, that amount was feasible for me, so I opted to not refinance or take out a different type of loan. XX/XX/XXXX, My loan terms change, and my payment goes up to $ XXXX month. We are in the middle of a pandemic, XXXX XXXX a XXXX XXXX  is on hold, I'm on unemployment. So, not only can I NOT afford the new payment without serious hardship financially, but due to the situation, I am no longer in the position to be able to refinance or get a new type of loan. I have discussed this with US Bank, they are refusing to do anything to help me. What if anything can I do, in this situation.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

I received an email from Chime that i have opened an account. I did not authorize the account being created and it used outdated information. I called the company and they are unable to provide information on how this account was created and mentioned on how to safeguard information, when its hard to because companies don't protect information that well.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call transunion. When I call XXXX XXXX  XXXX or chat with XXXX they said it is up to trans union to update when i call trans union they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXXXXXX and XXXXXXXX is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXXXXXX have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXXXXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from Trans Union, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and Transunion , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.