davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (FL)

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.

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 2022-04-28
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-02-02
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. (MI)

This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: 77 Elite (NJ)

XX/XX/2018 XXXX XXXX with 77 Elite I think that they maybe fraudulent companies. I have been paying them {$200.00} monthly. Im scared because the paperwork I signed stated limited power of attorney. 

Then XXXX called me and send Im overdue for federal school loan payment. 

I said no Im paying it ; they said you should file a police report. 

So please tell me if XXXX XXXX and 77elite a fraudulent companies?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2021-10-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (VA)

DYNAMIC RECOVERY SOLUTIONS ( DRS ) CONTACTED ME ABOUT AN EMERGENCY ROOM BILL THAT I DO NOT OWE. 

THEY SAY I OWE {$920.00} FROM AN ER VISIT IN 2014. I WAS AN XXXX XXXX IN THE XXXX AND ALL MEDICAL EXPENSES ARE PAID. 

THIS COMPANY IS A FRAUD AND IS HARASSING ME FOR A DEBT THAT I DON'T OWE. 

I RECIEVED A LETTER TODAY, XXXX XXXX, AND THE DRS REFERENCE NUMBER IS XXXX. 

DRS PHONE NUMBER IS XXXX. 

DRS IS WORKING WITH ANOTHER FRAUD AGENCY NAMED XXXX XXXX XXXX XXXX, XXXX. REFERNCE NUMBER : XXXX. PHONE NUMBER XXXX.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

My Morgage company is a debt collector. It is not a regular Morgage severing. I am on forbearance plan, but the problem when its finished what I am going to do, how I am going to come up with payments, specially when they told me that if the escrow payment go negative, the payment will go up. I really need help with my payments and forgiveness for the defaults payments. I am a single mother with children, I got affected by the XXXX and my family. I lost my job and now I am working part time. I dont know what to do please help me
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-04-28
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. (MD)

n accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  Accout # XXXX, Account : XXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX Account # XXXX, Account Name : The XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX filing, 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 2021-05-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bankers Auto Acceptance (CA)

COVID-19 HARDSHIP DEBT RELIEF!!! FRESH START DISPUTE LETTER ( removed open collections, remove closed collections, remove hard inquiries ). PROTECTION LAWS ( Section 609, Section 611, Section 613, FCRA Fair Credit Reporting Act, CCPA Consumer Credit Protection Act, CPPA Consumer Privacy Protection Act ). Respective
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I applied for a refinance mortgage application with Bank of America. 

XXXX XXXX ( XXXX XXXXXXXX ) was my loan officer. 


Subsequently after the RESPA notice, I promptly supplied all requested documents to Bank of America. However, on XX/XX/XXXX, there was not a underwriting decision and the loan officer had no closing date in sight ( see attached document XXXX XXXX ) On XX/XX/XXXX, after 10.5 weeks from the initiation of the application and still no underwriting decision, I advised my loan officer that I will withdraw from the application. Since Bank Of America could not make a underwriting decision, I requested that the bank refund the {$880.00} of prepaid which was charged at the start of the application ( see attached document XXXX XXXX ). Afterwards, I made two attempt to follow up on the refund, but there was no response from the loan officer or anyone from Bank of America ( see attached document XXXX XXXXXXXX XXXX  ). 

A week later, I received an Action Notice letter, dated XX/XX/XXXX, that my mortgage was not approved based on Debt-to-Income ratio. The letter should have correctly stated that I withdrew from the application on XX/XX/XXXX ( see attached document XXXX XXXX  )
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (TX)

The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since XXXX waiting for a response. i will not wait amount 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We had to file a bankruptcy in XXXX of 2021 and I had kept my vehicle I still made my payments on time every month still up to this day and because I did not sign a another form they had sent me they dont report that I make my payments though they report that I do not make my payments to the credit report making my rating a negative result when I pay them every month now I feel that I am paying them every month they should not be able to report negative reports on me if anything dont do nothing I am paying on time every month it is not fair and it is not right for them to do this you will find a copy of my check for XX/XX/2021 I sent them for my payment that they have on the credit report as a negative payment so you will see the false information they are giving to hurt people
Consumer complaint received 2020-11-05
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: CITIBANK, N.A. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MN)

I reported couple of unauthorized charges on my account ; XX/XX/XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$8.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$40.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$47.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$11.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX - XXXX TCF Free Checking ( XXXX ) {$5.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$9.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$24.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$2000.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$19.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} and TCF rejected my unauthorized charge claim because they said that there were other charges on the card that were not disputed after the unauthorized charges. I don't understand I reported the card lost and the unauthorized charges as well.
Consumer complaint received 2023-04-08
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. (CA)

Pursuant to the FCRA, it is EQUIFAX 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX. This includes the reporting of 120+ days past due late payments. This includes the reporting of 120+ day late payments on XX/XX/2018, XX/XX/2018 and XX/XX/2018. These INCORRECT and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that EQUIFAX has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My score goes up one month and then they take it down when they re- report late payments from two years ago. I have a two year exceptional payment history, but my score is XXXX reported by Experian.. please help
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, these INQUIRIES are NOT AUTHORIZED, I have review my financial transactions and remember doing NO BUSINESS with these financial agencies : XXXX XXXXXXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> Most, importantly, to avoid future possible fradualent activities in my credit report please make sure that this is the only name XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX Florida XXXX that should show in my credit report. Other personal information that reflects in my credit profile, you need to REMOVE it : These are MISPELLED Names in my Credit Report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the ADDRESS that DO NOT belong to me : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-23
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)

I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST DT REPORTED XXXX ACCOUNT TYPE Installment ECOA  Indv. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING 9 DATE LAST ACTIVE XXXX PAY PATTERN 999999999999999999 9999999 PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT   LEVEL : B-XPN-01 B-EFX-01 COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO XXXX  ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been in contact with Bank of America, attempting to retrieve my stolen funds in the amount of {$370.00} since XX/XX/2021 with no success. I have reopened the claim several times and they continue to auto-close the claim.
Consumer complaint received 2020-11-05
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. (LA)

I want to report that somebody has used my identity to open accounts in my name withoutmy consent, this report is produce to dispute these fraudulent accounts, that has damagemy credit record, Please note these incident for future references.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

American Education Services ( AES ) services my student loan which is through XXXX XXXX. I was unable to track down my account number since my loan had moved from one servicer to another to finally to AES and they had lost track of my details in their system. I emailed them to get my account details so that I could start making payments before payments became due. On XX/XX/XXXX, I called their customer service to resolve the issue. I spoke with their employee named XXXX ( ID : XXXX ) and she mentioned she could not locate the details of my account using my Social Security Number, my name and date birth, or any other details ( I have an audio recording of the call if needed ). Then a representative from XXXX XXXX  contacted me and helped my figure out the details on a conference call with AES. I made the payments in full immediately and have been paying regularly since. As a consumer, I did my part in trying to make payments as required but AES could not help me locate my account details and hence the payment was delayed. 

AES then reported this delay to XXXX in XX/XX/XXXX which led to a XXXX point drop in my credit score. This has had a huge negative impact on my creditworthiness due to which I am not sure if I can apply for a mortgage or refinance of my student loan. 

I have contacted both AES and XXXX multiple times and requested them to correct the error but they have refused to do so. My credit score remains low despite no fault of mine. 

I request you to please help me sort this matter and remove the negative report on my credit. I have been a responsible consumer and have paid all my dues in time.