davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (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 # : XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID XXXX XX/XX/20 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 2018-03-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX  stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to XXXX, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that XXXX and Experian has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America refuses to assist me in any way to look up a transaction that XXXX alleges that they deposited to my Bank of America card ending in XXXX on XXXX. 
Bank of America refused to look up the transaction ID XXXX, that XXXX claim they refunded in the amount of {$65.00} to that same debit card. 
I informed Bank of America that XXXX insists that the payment went through successfully and was not rejected or sent back. 
Bank of America refuses to assist me in any way to look up the transaction ID or the Funds.
Consumer complaint received 2018-03-06
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. (WI)

I have contacted the company swveral times via certified mail in XXXX XXXX, XXXX, regarding Inquiries that were not recognizable. I also previously submitted a complaint through cfpb and the response I got was un-satisfactory.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I called because there was an open account on my transunion report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Transunion with a letter from the US District Court stating that they do not report anything to the credit bureaus. Transunion has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Transunion.
Consumer complaint received 2022-01-10
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. (MD)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I would like to formally withdrawal my complaint dated XX/XX/2022, against Bank of America submitted through your portal on or around XX/XX/2022, Bank of America has agreed to look into and resolve this matter with out XXXX involvement. Please remove said complaint from your database and notified BOA the complaint was withdrawn.
Consumer complaint received 2022-01-10
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)

XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXXand i was advised if i supply my identity theft report, then the account would be removed from my credit report.
Consumer complaint received 2021-08-15
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. (GA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. On XX/XX/2021 I sent a certified Letter to Transunion informing them that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

On XX/XX/2021 I received a response from Transunion stating that my written authorization MAY not be required to constitute permissible purpose. And that my specific consent to the release of my credit information is NOT necessary for a permissible purpose to exist.
Consumer complaint received 2021-08-15
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. (MA)

XXXXwo fraudulent accounts were being reported on my credit as having a balance due with XXXX XXXX. i disputed the items with all credit bureaus including transunion. the accounts in contest were deleted from my transunion report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to transunion, and to XXXX XXXX through transunion.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NV)

I have an account with Binance.US. I had successfully made a couple of wire transfers to fund my account. The bank that they used was XXXX XXXX. I attempted to do another wire transfer on XX/XX/2021. However, unbeknownst to me, they changed the bank that they are using to accept wire transfers to XXXX XXXX. As a result, the money did not reach my Binance.US account. It also did not get returned to my originating bank which makes me believe that while they XXXX no longer be using that particular account to fund Binance.US accounts, they still have that account open. However, no one seems to know where my money is that I wired. I have been in contact with the company for nearly two months trying to find out where my money is and to get it returned to me. A representative of the company has claimed several times that they have located the transfer and that they will be refunding the money to my original account. However, the money never shows up back in my account. At this point it seems like they are simply holding my money with no intention of returning it which seems like theft in my opinion.
Consumer complaint received 2019-08-20
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I did not authorize anyone employed by Capital One to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (CA)

I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX 2017
Consumer complaint received 2019-03-12
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. (NC)

Have sent documentation originally in XXXX again in XXXX and update police report in XXXX. Still reporting incorrect information then starts disputes but credit bureau does not send police report but does a regular dispute. XXXX is the only one taking it serious and me as a victim still suffering from incorrect info being reported. Also they continue to lose what I sent over. After I verified they received it
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

Account is 7 years old. Account is also paid. Creditor ( XXXX ) admits they have wrongly reported as opened in 2020. 

I ask Equifax to verify information. They say its already been disputed. I ask what verifying information they have, they say it must have existed at some point. How very convenient. 


This information is inaccurate and needs to be deleted.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

Two months ago I opened a card for a purchase around $XXXX and paid it off the same month when the statement came. This month I got another statement from them that had $XXXX outstanding balance. Apparently I was charged a $XXXX late fee as my payment was processed one day late. I have no idea how something that was postmarked at least 5 days before it was due would take so long to process. Then they stacked another late fee of $XXXX on the second month - which is why it added up to $XXXX. I called them and they removed the most recent late fee - but said I still owed them $XXXX. They also claimed to have called me to notify me but I have not received a single call or voicemail.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (LA)

Our current mortgage company, OCWEN, is adding information to their credit reporting that does not/should not be reported. There is no reason for them to add words and " history '' to current reporting of our account. 

They are including the following to all credit reporting agencies : " Consumer Information Indicator : CHAPTER XXXX BANKRUPTCY DISMISSED ''. 

Why include this information? Is this legal? Is this information necessary and/or is it supposed to be included by law? What laws are they using as their reason to include that info?
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Dear CFPB representative, I am following up on a previous complaint I submitted XX/XX/XXXX ; complaint ID # XXXX that was never addressed nor corrected by XXXX XXXX ( representative of Wells Fargo ). Her contact number is XXXX ext XXXX. Attached to this email will be : - a copy of the response letter from Wells Fargo datedXX/XX/XXXX confirming that the company received CFPB complaint and that the matter would be addressed ( my request was a new revised billing statement which would show my {$1400.00} cash payment to be used towards the principal payment and not in unapplied funds balance ; -copy of billing statement dated XX/XX/XXXX showing {$1400.00} going towards unapplied funds ; -copy of an email from Wells Fargo that the request was solved, which it was not ; -copy of the list of the mortgage billing statements available on the Wells Fargo website ; the latest statement dated XX/XX/XXXX which has the error. No new billing statements after this date has been applied to show that the {$1400.00} cash payment was applied towards the principal ; -copy of Wells Fargo online account summary that shows the correct principal payment of {$140000.00} ; but, the actual mortgage billing statement for the unpaid principal balance states {$150000.00}. 
In conclusion, I received two voice messages from the Wells Fargo representative, XXXX XXXX ; I have returned her call twice, including leaving her a message as to my request to correct this matter. However, no changes have occurred as of yet and it has been more than two business days. 
Would you please assist me on my behalf by notifying XXXX XXXX and finding out the hardship as to why this matter has not been corrected.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (CA)

A rentor deposited rent into Truist checking account by mistake. Can't get the funds out. Have spent much time on phone, on hold, drove to supposed representive who wasn't, no response from Truist. Account is locked. Nothing I do gets my money back.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP ()

My name is XXXX XXXX. I have a US Bank Reliacard that XXXX pays child support into. I was sent a new card at the beginning of XXXX but the card wouldn't activate. The system kept stating that the 3 digit security code was incorrect. After many calls they decided to send me a new card that I waited over 4 weeks for. The new card is stating the same issue, I'm not getting any help with it this time. The agents are very nice trying to help me but the supervisors are either telling me to do the same thing I've been doing or just leaving me on hold when an agent tries to escalate. I have spent over a 140 euro in phone calls trying to get this card activated ( I moved my kids to XXXX when I got divorced ). Can someone please help me, I'm falling behind in rent and am so frustrated.
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Brett M. Borland, P.C. (FL)

On XX/XX/XXXX, I was sent a letter from the Law Office of Brett M. Borland, P.C., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX  and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX  that my credit score dropped. I went online and saw the debt collection company " XXXX XXXX XXXX XXXX '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of Brett M Borland and the company " XXXX XXXX XXXX '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX  to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.