davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.
Consumer complaint received 2021-10-28
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. (WA)

I opened a XXXX XXXX Secured credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from XXXX XXXX XXXX since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX XXXX XXXX was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to XXXX XXXX XXXX.
Consumer complaint received 2022-02-05
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. (FL)

The following inquiries ( also found in the attached documents ) as reported on the Transunion credit report were made without my consent or authorization. I am demanding the immediate removal of ALL inquiries on my credit report that include : Account Review Inquiries Promotional Inquiries Regular 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is a fact, I, a natural person and Consumer, must be given a chance to direct whether I want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I, the consumer was not given the chance to opt-out of having this reported information not to be reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed immediately.

It is a fact, I, a natural person and Consumer, have reason to believe and do so believe, that this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove ALL inquiries on my credit report that including but are not limited to : Account Review Inquiries Promotional Inquiries Regular Inquiries
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

National credit systems purchased a debt against me for an apartment lease that I did not live in or rent from. My credit was affected by this and I am currently denied housing from leasing companies due to this. The leasing company that sold the debt to National Credit System has sold their business to a new corporation. Due to this I am unable to have this issue reviewed and rectified. The leasing agent that I originally spoke to via telephone in XXXX of XXXX was terminated shortly after, and then the company was sold shortly after his termination. I never seen the apartment or received keys to the apartment, or lived in the apartment. National credit systems informed me in XXXX of XXXX  that I owe {$4900.00} for the apartment and that I am obligated to pay them in full to clear the debt. When I attempted to enter into a housing agreement with a leasing company, I was denied due to National credit systems being on my credit. The leasing company is " XXXX XXXXXXXX '' broke the agreement of the lease because according to the terms, I never inspected the apartment prior to occupying.
Consumer complaint received 2021-10-28
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. (NY)

I am writing to file a complaint against Experian and their failure to remove an unauthorized account from my Experian Report which is costing me XXXX  of interest every year along with false account hurting my ability to obtain employment, health insurance, Mortgage & Credit Opportunity. My family and I are experiencing difficult financial hardships at this time due to COVID and these false accounts have been affecting me tremendously Account : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I am the original Creditor. these Accounts is in direct violation of 15 USC 1681 *ATTACHED DOCUMENT - XXXX card -letter of consistent rejection from companies for this direct violation of my consumer report " CHARGE-OFF ''
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Federal Law states that Consumer Reporting Agencies have 30 days to investigate Transunion is telling me they need extra time anything pass 30 days is a VIOLATION of my rights!
Consumer complaint received 2022-12-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2021-03-10
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Priority Recovery Law PLC (MI)

Signed up for classes on XX/XX/XXXX at XXXX XXXX College Grandmother suddenly passed away on XX/XX/XXXX and I was struggling with the loss and classes XXXX XXXX XXXX College website to explore options Website indicated I could withdraw classes if an immediately family member passed Withdrew classes XX/XX/XXXX indicating the reason as described on their website Received invoice on XX/XX/XXXX for {$1700.00} indicating I should call to set up a payment plan I reached out to XXXX XXXX, VP of Student Services indicating I follow the process on their website and expected them to remove the debt XX/XX/XXXX Received email confirmation that XXXX would review the case and get back to me when classes resumed Received email back stating I was denied the removal of debt XX/XX/XXXX My Aunt and I tried to resolve the debt collection and work with XXXX XXXX College and we were not successful, we were not satisfied with the rationale as to why the debt would not be removed XX/XX/XXXX My mother and I called again to let them know our position was to have this debt removed in the summer of XXXX after multiple threating letters and I felt harassed To ensure my credit was not impacted, I filed a dispute with all 3 credit bureaus XX/XX/XXXX The dispute was sent to XXXX XXXX College and / or XXXX collection services their position was I owed the debt and would not be removed Debt was turned over to a XXXX Collection services, a XXXX XXXX agency, my aunt and I again reached out and tried to resolve the issue, no resolution The credit bureau did mark the debt as disputing Received another threatening / harassing letter from Priority Recovery Law PLC, XXXX XXXX XXXX indicating I needed to respond within 30 days to avoid negative action XX/XX/XXXX My aunt and I called the Priority Recovery Law and explain all of the information above to XXXX  at the law firm. She indicated that she would discuss with the attorney - we did let her know we are filing a formal complaint with CFPB and XXXX. XX/XX/XXXX The new amount owed is {$1700.00}
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (MI)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-02-25
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. (FL)

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

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

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. 

- Account # XXXX XXXX 
- Account # XXXX XXXX 
- Account # XXXXXXXX XXXX XXXX XXXXXXXX. 

Collections : -Account # XXXX XXXX XXXX XXXX XXXX XXXX 
-Account # XXXX XXXX XXXX XXXX. 
-Account # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK (MN)

I had a chargd off credit card debt with Discover Card in the amount {$1800.00}, which was sent to their third party collection agency, XXXX XXXX XXXX, XXXX. ( Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; Phone number is XXXX ). I made a payment in full on XX/XX/2021 to XXXX XXXX XXXX to pay the account in full. I was then advised by XXXX XXXX XXXX to e-mail them copies of the cleared check and a screen shot of my bank transaction history showing that the payment of {$1800.00} had cleared my bank. I e-mailed this information to them on XX/XX/2021. On the same week of XX/XX/2021, I made several phone calls to XXXX XXXX XXXX and to Discover Card ( Phone number for Discover Card is XXXX ). On these phone calls, I was assured that XXXX XXXX XXXX had approved the closure of my file with them, they would send a dismissal notice to XXXX County conciliation court, and then send the closed file to Discover Card. In speaking to Discover Card multiple times, I was assured that they did show the payment had been received, but they could not update my account as " closed - paid in full '' with the credit bureaus until they received the closed file from XXXX XXXX XXXX. On XX/XX/2021, I spoke to XXXX at Discover Card ( phone number XXXX ) and she attempted to reach out to XXXX XXXX XXXX to get the closed file from them so that Discover Card could update the credit bureaus that my account was paid in full and closed. The call then became disconnected for unknown reasons. I then called back and spoke to XXXX, who refused to understand the issue and what I was asking of him. He became threatening and rude -- and refused to answer my questions -- when I asked if the call was being monitored and recorded. After nearly one hour of speaking to XXXX and getting nowhere with his abusive language to me, his refusal to help resolve the issue and his inability to answer my questions directly on the debt collection practices of Discover Card, I was then transferred to a supervisor named XXXX. XXXX began screaming at me at the top of his lungs, at which point I could neither hear nor understand him. He asked me " were you abused as a child? Are you always a bully? '' and began hurling abusive and derogatory terms at me regarding my gender identity. XXXX then terminated the call without telling me what he would do to resolve the issue to get the debt reported to the credit bureaus as closed and paid in full. I then called back, got XXXX again, who immediately transferred me back to XXXX. XXXX then began verbally abusing me again, using language to degrade me and accuse me of being a bully and telling me that I was inept and not listening to me. XXXX refused to tell me, once again, what he would do to resolve the issue of updating the debt as closed and paid in full with the credit bureaus. XXXX, again, screamed at the top of his lungs at me to tell me that I needed to " shut up and listen, '' at which point he terminated the call.
Consumer complaint received 2022-02-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding another short sale offer that was submitted for XXXX after the initial offer of XXXX was denied. I was advised that the offer may be denied due to the investor XXXX XXXX XXXX discretion. I was advised that on XXXX XXXX the XXXXSPS performed a XXXX  that was at XXXX with renovations at XXXX which is over the value of the appraisal of XXXX that was completed on XX/XX/XXXX .My payoff on this home is XXXX according to SPS as of XX/XX/XXXX. I was advised that the XXXX  was evaluated by driving by and no one entered the home to do the proper appraisal evaluation. I have made several attempts to work with SPS regarding this and feel pressured into keeping a home that is falling apart around me. I am XXXX yrs of age and have limited resources and can not do any of the work myself. As a XXXX  XXXX  and veteran, I feel as if they are forcing my hand to remain in a dwelling that is not safe.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Consumer Financial Protection Bureau Subject : Complaint against XXXX for Violations of FDCPA and FCRA. 


Dear CFPB Employee, I am writing to file a formal complaint against XXXX for their repeated refusal to respond to my disputes, thereby violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, XXXX is obligated to respond to my disputes and delete the disputed account if they fail to respond within 30 days. 

Details of the Complaint : 1.The FDCPA Violation : Despite my multiple attempts to communicate with XXXX regarding a disputed alleged debt, I have received no response whatsoever. This complete disregard for the FDCPA 's requirement to address consumer disputes in a timely manner is unacceptable. 
2. The FCRA Violation : According to the FCRA, any entity that fails to respond to a dispute within 30 days must delete the disputed item from the consumer report. However, XXXX refusal to acknowledge my disputes and their failure to act within the legally mandated time frame goes against this crucial consumer protection legislation. 

I have made several attempts to resolve this matter directly with XXXX, but their lack of response has left me with no alternative but to escalate my complaint to you.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION 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 2022-12-02
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. (NY)

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.