davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (PA)

On XX/XX/22 I sent a letter to XXXX  via certified mail in which they have received about fraudulent inquiries on my account. Til this day XXXX havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom XXXX spoke with specifically to verify these inaccuracies. If not I will be taking legal action.
Consumer complaint received 2022-04-21
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. (PA)

On XX/XX/22 I sent a letter to transunion via certified mail in which they have received about fraudulent inquiries on my account. Til this day transunion havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom transunion spoke with specifically to verify these inaccuracies. If not I will be taking legal action.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (FL)

Resurgent has failed to send me the contract agreement that have with them. I need the full account number the address at the time the account was opened and the date I opened and signed this account. I do not want a copy last letter commingling XXXX  XXXX and resurgent like its one company. I need to see the original documents.
Consumer complaint received 2022-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

We were offered COvid program to delay payments by XXXX XXXX. We agreed to take part. XXXX XXXX however sold our mortgage to Fay Servicing near the end of the program. We were told by XXXX XXXX that all delayed payments would be added to the end of the loan. Fay Servicing told us they needed the whole amount delayed paid now. App {$10000.00}. This was not what we agreed to by XXXX XXXX. We were told by XXXX XXXX All agreed to conditions would be honored by Fay Servicing. Instead Fay Servicing has started foreclosure until we pay the entire COvid amount. We would not have agreed to this program if that was the case.
Consumer complaint received 2022-04-21
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. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-21
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. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (FL)

I have been working with XXXXwo mortgage companies that have been unable to pull my credit report and credit score. This has been going on 2 weeks now trying to get this resolved and are still unable to pull my credit. 
I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. There are no freezes, disputes or freezes on my account. They stated that the company should be able to get the report. 
Phoned equifax again later on XXXX company attempted to run again with no luck. Again, as noted above Equifax still stated there was no reason they should not be able to pull my credit and that all information was correct. 
Phoned equifax again on XXXX. Verified my address online with them, also verified my potential lender had the same information- still unable to pull my credit report or credit score. I was on the phone with an Equifax customer service agent for 40 minutes trying to figure out why this was happening with no resolution. Still stating everything was fine. 
Phoned equifax again XXXX as the mortgage company is STILL unable to pull my credit information. XXXX and XXXX XXXX XXXX XXXX has attempted again to pull my score and get the same response : Information from your credit inquiry has been identified as potentially fraud therefore the credit report is not available for delivery. 
The above is the response they have gotten 3 times now! This is infuriating, I am going to miss out on buying my land and building my home because Equifax can't figure the problem out. It is ridiculous to go through this. XXXX and XXXX are reporting just fine. This needs to be resolved ASAP.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called the XXXX  number on the letter I received about a new account that I did not open. 

I was sent to about five different people who were supposed to be fraud account employees. They were asking for personal information to best address the issue. After a while it began to seem suspicious to me but only after I gave some personal info. 

They may have been legitimate but it all seemed weird after I hung up. 

The claim they have put a freeze on the account and that they would send a confirming email. Almost a day has gone by and I have not received a confirming email.
Consumer complaint received 2022-04-21
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. (CO)

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 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Other accounts : # XXXX # XXXX # XXXX # XXXX # XXXX # 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. 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 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (MI)

I had a collection through Paypal and it was on my credit. I paid the balance in full of the {$390.00} that was owed. I have asked for proof of payment and they show on their end that I paid but will not provide me a receipt stating that I did because it has bounced to different collection agencies. They are now telling me that I need to pay again then dispute after I pay to get my money back. This does not seem right I paid this back in XXXX of 2020. 
This is hindering me with future moves that I am trying to do with my credit. I keep getting bounced around to different agencies and nobody can help me.
Consumer complaint received 2022-04-21
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. (NM)

In accordance with the Fair Credit Reporting Act Account # # # # # # # # # # # # XXXX, # # # # # # # # # # # XXXX, # # # # # XXXX, # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (IL)

I already submittted complaint ( XXXX to CFPB and the company said they closed my account and ( I was paid in full ) I received letter form them indicating my account my still open and had a balance. I called them and they were not helpful
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has commited 2 violations against me. 
Violation # 1 Violated my FCRA Rights : These are my rights under the FCRA You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

3 letters were sent to Transunion and it was not until I submitted a complaint with the CFPB on XX/XX/XXXX, that Transunion answered on XX/XX/XXXX. Letter sent XX/XX/XXXX, they processed it on XX/XX/XXXX. Evidence will be attached on this complaint CFPB needs to make them comply with the laws. 

Violation # 2 Statute of Limitations Texas Law Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
This debt that Transunion is reporting is from XX/XX/XXXX it is an expired debt. 

I am in total disagreement with Transunion investigation response. The incorrect items listed still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Please have Transunion delete this inaccurate information.
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX  Account Number 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.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (MI)

In XX/XX/2021, Finance of America stated they didn't receive my payment and then they reported me late. In the end, My LO who doesn't even work at FOA any longer figured out what happened and they reversed the negative reporting after 65 days of frustration. They were horrible in regards to communication and didn't seem to take me seriously or even care about my anxiety regarding the issue. My credit is excellent and I always pay my bills on time so this issue was really frustrating. In the end, they applied my payment to the wrong account which I proved to them by getting the cancelled check which was suggested by my LO. My issue is their communication and then they also stated they wouldn't report it to my credit until the investigation was complete. I understand mistakes happen, however the way they approached the situation was very unprofessional and unethical. Had my XXXX not stepped in, I find it to believe that they would've resolved the issue. I'm making this complaint for the next person they are treating like this and maybe they'll be more professional next time. I find it very unbelievable that they would blatantly lie to me about reporting the late payment to the credit bureaus. Thanks you in advance for reviewing my complaint. I have numerous emails to prove what I'm saying is correct. Please see attachment which includes an email in which they stated they wouldn't report it to the bureaus.
Consumer complaint received 2022-04-21
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. (GA)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters again on multiple different occasions. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and it is frustrating me because my rights aren't being protected under the fair credit reporting act.
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Report Act : Account Name 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.
Consumer complaint received 2019-08-07
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. (FL)

Upon reviewing my credit report, i notice that i had so many inaccurate information on my report. There isn't no one to blame but your company. You have mislead me to believe that my credit was being investigate after I've sent in several proof and documents that was certified mail. I haven't received any mail back since XX/XX/2019. I am seeking litigation and also compensation for damages and the pain you caused my life. It has been embarrassing and traumatic dealing with this current situation of fraudulent inquiries being placed on my credit report. It isn't factual information at least not something that I've personally done. I am a victim of identity theft and my personal information was leaked in the breach with XXXX, XXXX XXXX and a few others. This message is in regards to this being the final good will letter i am sending to get this matter resolved quickly. I am allowing 3 business days which i want an internal investigation done immediately. The inquiries that are listed fraudulently and inaccurate are 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX, 4. XXXX
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (CA)

Returned lease XXXX BMW XXXX XXXX XX/XX/XXXX. I had to sign for returning the vehicle. I was not shown the inspection results. I signed and expected to pay only extra mileage and a return fee. 

I was told I didn't need to pay now. I would receive a bill from BMW. 

A few weeks later I received a bill of XXXX for wear and tear, tires, damage, mileage, and return fee. 

The tires were within the limits, the wear and tear were within limits and the damage was within the circle. 

I do not owe what they are claiming.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I understand the pandemic, cyber terrorism and transition to digitalized has impacted financial services however my accounts were closed for other reasons. So many BILLION dollar, companies have totally lost integrity, ethics, morals, values, a soul ... during COVID19 and are targeting, bullying and clearly violating the law. This is starting to become a regular issue that is hindering the country. 

The money was in my checking account for my Chase payments however XXXX decided to charge me ten overdraft fees. XXXX purposefully did the math wrong and this is not the first time NFCUs unethical overdraft practices have impacted my transactions with other institutions. 

XXXX manipulated the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) negatively impacted the way XXXX processed various types of debits and the time period ( a week ) did not allow me to keep track of what XXXX was doing so I was not unable to anticipate and avoid overdraft fees. 

The effect of XXXX practices has negatively impacted my relationship with other financial institutions. Several of my other institutions did not receive the scheduled payments due to XXXX. XXXX credited my account hundreds in fees however that still does not negate the fact that my accounts ( XXXX ), ( XXXX ) and ( XXXX ) were closed with other financial institutions such as Chase Bank. 

After receiving notice from Chase on XX/XX/2021 that my payment was not received. I immediately rescheduled the payments on all three credit cards. However, Chase Bank closed all three of my credit cards. I am shocked as I held a VA mortgage with Chase Bank and always paid my mortgage on time and ahead of time. This is also the first time I had an issue with my credit card payments.
Consumer complaint received 2022-04-21
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. (GA)

This complaint is being filed because of the constant non-compliance of Experian. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to Experian challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd no response. On XX/XX/2022 I wrote another letter and mailed it certified to Experian informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. Also, Experian failed to validate the account in allowable time I also pointed out the inaccuracies. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received an email from Experian that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Experian Attn : Dispute Manager I explained Experian left me no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the HIPPA Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof.