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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filled a dispute with TransUnion for six inquiries that are in my credit report that I did not authorize and that are fraudulent. 

That dispute was submitted on XX/XX/2022 and I never heard a response from TransUnion in regards to said dispute and it has been more than 30 days since said dispute was submitted which I have attached a copy of, therefore, in accordance with the Fair Credit Reporting Act ( FCRA ) a credit reporting agency must answer a dispute within 30 days and TransUnion has failed to do so in this case, therefore, I am requesting the immediate deletion of the inquiries listed in my original dispute. 

In the event TransUnion does not honor this request in accordance with the Fair Credit Reporting Act and delete these disputed items I will file a federal lawsuit against TransUnion.
Consumer complaint received 2022-02-12
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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2024-03-07
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. (TX)

I reviewed my consumer report and noticed that I had 1 late payment on an account that I was never late for or knew about. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late if proof cant be provided I DEMAND these payments be updated to Paid as agreed on time or deleted as they should be due to the fact I never was late or knew about this loan. The information inaccurate and reducing my ability to buy a home, car & ETC, I need to provide good and stability for my family and this is stopping me. I would want this account DELETED or Updated To CURRENT/Paid as agreed on time Please see screenshot attached Send updated report to XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2022-07-05
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Account number XXXX Property address XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I have not been able to make any mortgage payments for the past 1 year and I'm currently on deferred payments with Bank of America . I have applied for loan modification with the bank and I have submitted all the documents they have requested for, after submitting all the documents they have rejected my application saying I have to apply for refinance. Initially they have requested me to apply for loan modification since we do not qualify for refinance since we currently do not have jobs, now they are just going back saying we have to apply for refinance. How can we apply for refinance when we are not eligible? Please help get the loan modification processed so we can start making minimal payments.
Consumer complaint received 2022-10-11
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 XXXX XXXXXXXX XXXX Account # 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 2022-10-11
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -UNIV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  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 XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX K XX/XX/XXXX -XXXX XX/XX/XXXX x -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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 2022-07-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-10-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION. 

PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!
Consumer complaint received 2022-07-05
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. (TX)

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EXPERIAN is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EXPERIAN is a third party corporation and I did not give EXPERIAN permission or authority to use or communicate my information with any third parties under USC 1692c ( a ).
Consumer complaint received 2022-10-11
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. (NC)

There is wrong information on my reports which are causing financial harm to me and my family. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account Number : XXXX
Consumer complaint received 2022-10-10
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)

I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 instruction.
Consumer complaint received 2022-10-11
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2022-02-12
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: Experian Information Solutions Inc. (TX)

I called Experian in reference to inquiries that I saw on my report that does not belong to me. As a consumer I have been doing due diligence to watch my credit. They said they would help me with the inquiries. I know as a consumer that each inquiries reflects at least 2 to 5 points from your credit. Experian removed my inquiries in the amount of 20 inquiries yet they did not move my score. I find that the credit bureaus are showing discrimination actings towards XXXX Americans. This is blatant truth because my score stayed at XXXX and has not moved since they took the inquiries off my credit. Im am taking this evidence and filing a lawsuit for discrimination to this consumer.
Consumer complaint received 2022-07-05
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)

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.C1692C At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NJ)

i have sent them two letter asking validation of debt by u.s postal service certified mail receipt # ( XXXX ) receipt # ( XXXX ) i have not yet or never did I received that request whch i have a right as a consumer under the ( FDCPA ) they just keep violating my rights under 15 usc 1692c ( a ) ( 1 ) ( c ) ( 1 )
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NH)

New Amex XXXX XXXX card is opened in the month of XXXX. There is a promo to spend XXXX $ in the first 90 days or so. After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the criteria of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet criteria for spending in the first three months. When I didn't meet the criteria as I return the purchase, I shouldn't be awarded points in the first place. After 4 months coming and reverting back points, it is the right practice. It is totally deceiving customers.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jacob Law Group, PLLC (MS)

Jacob 's Law Group in XXXX, MS repeatedly called my work phone every two days even after they were notified of the following : 1. It was a work phone and to please contact me via written communication. 
2. I was not aware of the XXXX XXXX Debt and to please send me a detailed account of what was charge on the card. 
3. The debt is past the statue of limitations for MS . 


I have request in writing all the above statements from the Law Group without an answer and will proceed to court on XX/XX/XXXX.
Consumer complaint received 2022-07-05
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. (PA)

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.C1692C At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

XXXX, XXXX XXXX at local Citizens Bank asked me if I'd would want the new XXXX XXXX with 5 % cash back promo ( on up to {$6000.00} during first year, then reverts to 1.8 % on everything ). She signed me up for it. Got the card and started using it XXXX XXXX. 
After about 10 days I set up my online account and noticed I was getting 1.8 %, not 5 %. 
There is no other option besides a phone number to contact " Customer Service '', so on my 4th try to speak somebody, and XXXX. XXXX min. on hold, I finally got to explain the problem. The polite man eventually told me I'd start getting the 5 % in about 3 business days, and the difference between 1.8 % and 5 % for purchases already made " would be added to my account in a lump sum ''. I started getting the 5 % on XXXX XXXX. By then I had {$2100.00} in purchases, meaning I was owed {$67.00} in reward cash-back. 
The owed amount never appeared. I called back on XXXX. This guy told me " it would take 2 weeks to get it ''. Asking " why? '' got no answer. I told him " I'll believe it when I see it '' and told him I'd be filing a complaint if it didn't happen. 
3 weeks went by. Still nothing. Called back XXXX XXXX. The " Customer Service '' rep was full of " I'm Sorrys '' but nothing was done to this day. 
It may not be a whole lot of money, that was the deal, then it's part of the contract between the bank and a very good XXXX customer of theirs. I expect it without being lied to by " Customer Service '' people who apparently know nothing and can't fix it themselves. I'm not wasting my time by calling again. It's useless.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NH)

Provided payment to XXXX XXXX XXXX on XXXX for damage to a company provided rental car windshield. Received three additional Payment Demand Notices since paying off the dept. Contacted numerous personnel at XXXX XXXX XXXX regarding the notice, including our account representative.
Consumer complaint received 2021-08-23
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. (NC)

I have filed a dispute through TransUnion Credit Bureau and I have called the company twice on XXXXand XXXX. The name of the company is XXXX XXXX XXXX. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. XXXX XXXX XXXX claimed that an investigation was initiated, but this information is still included on credit report.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. Equifax, XXXX and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MO)

Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe.