davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: Experian Information Solutions Inc. (FL)

This is a complaint against timeshare XXXX  XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TN)

To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus Equifax, XXXX, and XXXX for violations of consumer protection laws regarding the reporting of collections accounts on my credit reports. 

I have encountered multiple instances where collection agencies have placed accounts on my consumer report without providing validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have failed to provide this information, yet the collections have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not been given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws. 

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system.

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law. I expect a response within 15 days of this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}
Consumer complaint received 2019-11-11
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: SYNCHRONY FINANCIAL (CA)

Synchrony Bank recently acquired PAYPAL and have started reporting all accounts to the credit bureau. I had NO idea this was going to take place, and their reporting drop my credit score 61 points. I went from XXXX to XXXX, from Excellent Credit, that I work tirelessly to maintain to the status of Good credit. It was literally reported two weeks ago and reflects on my credit ( positively ) since XX/XX/2019, and it was like it was retroactive. 

I called PayPay, who directed me to PayPal Credit, who led me to PayPal again, then to Synchrony Bank. At that point, I was told that a letter was mailed to me in XXXX, which I never received. I requested a copy of the " letter '' sent and have yet to receive it.
Consumer complaint received 2021-09-20
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. (MD)

Please disregard previous complaint ( XXXX ) as I checked the wrong box [ Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) ] ; Whereas I shouldve checked the box-Credit inquiries on your report that you don't recognize, as I did with this complaint. See attached for additional information.
Consumer complaint received 2019-11-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-11-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX XXXX, XXXX, XXXX and XXXX XXXX submitted a home loan application at your XXXX Navy Federal Branch with Ms. XXXX ( XXXX ). She provided excellent customer service but every encounter thereafter was less then professional. XXXX advised us the we would receive an offer letter within two weeks of submitting the loan application. 

Using the XXXX provided all requested documents on XXXX XXXX, XXXX. We did not hear anything from Ms. XXXX for over a week. My husband called and emailed her several times. 

After three weeks we finally received a call and email correspondence on XX/XX/XXXX, stating that a decision was made and to return her call to go over the decision. My husband spoke with her and she advised him the the loan was denied and she did not provide specific details regarding the loan denial. She merely stated that we had to many delinquencies in the past 12 months. My husband is a veteran and he served XXXX yrs. in the XXXX XXXX and we are both government employee 's. We have had a attitude of service for both the country and state of California but no one will serve him! 

Ms. XXXX XXXX did not provide information about were we could retrieve the information used to deny the loan. Her lack of professionalism with regard to timeless, providing information, and lack of customer contact throughout the process, made our experience horrible. 

My husband and I feel discriminated against because we were asked where we wanted to purchase our home, because he is paying {$740.00} per month in child support ( which will cease in XX/XX/XXXX ) and because my husband and I complained about her vigorously. We called the Navy Federal Branch manager and supervisor ( who we couldn't get on the phone ) who we left messages with requesting a return phone call. No one ever returned our calls. 

We submitted a written request for an appeal of the decision and yet again ; no correspondence, decision, contact, answered calls. As a matter of fact the phone number she leaves on her voice mail is disconnected. Call it : Her Cell - XXXX and the number she says to call her at XXXX ( disconnected ) We will be reaching out to the State Attorney General 's Office to see if any laws have been broken and to request some mediation/resolve. We would love to here from you.
Consumer complaint received 2018-10-10
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. (FL)

Agent XXXX XXXX of XXXX told me that her investigation found that XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX XXXX noted her findings in comment # XXXX in their system. She also sent me a dispute form and walked me through exactly what to say on the form and reference comment # XXXX. 

XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX will not take ownership of this computer glitch. 

XXXX will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account. Now XXXX has locked me out of my account completely. ( see attachment ) I made of 40 calls trying to resolve this matter. During that time I was under the direction of agent XXXX XXXX. Now XXXX will not allow me to speak with her regarding her internal investigation. They are now saying they have no record of this in their system. This is not right for XXXX to do this to consumers of their products. Please help me with this.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

Citi bank credit card sent to XXXX XXXX  to my employer for a wage garnishment how my information became available I dont know citi bank says it wasnt them it just doesnt seem fair
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 XXXX I Deposited {$600.00} into Checking Account ending in XXXX, ATM did NOT process or Deposit Money into Account. I need A Refund INSTORE or Money deposited into said account ASAP.
Consumer complaint received 2021-04-02
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. (IL)

I have reached out to 4 creditors and all have stated that the information and account numbers do not belong to me. I have fraudulent reports on my credit report from companies in Virginia and Arizona when I reside in Illinois. When I spoke with the companies directly they stated that the credit bureau Equifax have placed the accounts on my report in error because the date of birth, name, social security number and address does not match their records. 

So if non of this information matches their records HOW did they verify it? I want answers!!! This information is supposed to be verified before you place it on someones credit. Equivalent should be held accountable for their actions. When I called Equifax they told me that it is impossible for something like this to happen. Well if that was the case how do I have 4 accounts that belong to different people on my report? 

These erroneous reports have dropped my credit score by XXXX or more points. How can we trust that they will report accurately when they do things like this. 

I want these removed from my report Immediately. 

Collection Accounts XXXX XXXX acct # XXXX XXXX Account - XXXX Closed accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21
Consumer complaint received 2019-11-11
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. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc. (MA)

Had three separate accounts, each for {$150.00} medical. Was sent to collections and became 2- {$150.00} accounts and 1- {$300.00} account. Original creditor paid in full by me on XX/XX/19 for {$450.00} and made aware of mistake of collections company. Collections company contacted by me the same day and made aware of pay off of accounts. 2- {$150.00} accounts have been removed but the wrongly billed {$300.00} still remains on collections record even after several additional calls to creditor and collections company affecting ability to secure a needed car loan.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

I purchased in my vanilla card and added approximate {$250.00} To the card. There was some kind of miscommunication regarding the ownership between my mother and I we both called in and claimed we both use the card. My vanilla gift card would not finished her ongoing investigation until I called yesterday the XXXX only to find out that the funds are no longer valid. The company is retaining possession of the funds I put on the card
Consumer complaint received 2019-11-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

On or about XX/XX/2019 I request PennyMac to transfer a copy of my VA appraisal letter to XXXX XXXX for a refinance. Since this time, I have had to contact the company on 3 different occasions to get the transfer approved and authorized so that I can close on a refinance loan with XXXX XXXX. PennyMac is my current mortgage lender and I can not believe that it takes a company 10+ days to transfer paperwork. This has caused me a hardship and frustration. Today 's date is XX/XX/2019.
Consumer complaint received 2022-04-06
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Over then last several weeks I have spoken to several people including the president office that I no longer wish to have this establishment service the tax portion, homeowners insurance portion or flood insurance portion of my escrow account pursuit to the XXXX XXXX guidelines. I have repeatedly stated I do not wish to close the escrow account as I can not legally do so due to the property mortgage insurance must be paid into one. The escrow requirements are clearly stated an 4201.2 a, b, and c. Section 8201.1 ( b ) ( i ) further covers that the mentioned less then 80 % and and less then 2 years that the bank has used on denying my desire is not valid and therefore not legal. It has further been stated that this bank wishes to charge me and additional % .025 to not administer a service that I do not required by any laws I can locate. It is my belief this is extortion. I have a fixed interest rate and a contract not requiring this service. I want to pay the P.M.I. that can not exceed % .05 gross LTV although it appears is over. P.M.I. is a escrow service that as not only a escrow requirement but none I welcome!
Consumer complaint received 2019-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019 I noticed that my score was not updated on TransUnion and that my credit card usage did not reflect the true amount I put in a credit dispute clearly a stating that I needed the correct amount UPDATED TransUnion deletes a active reporting from my account and will not re-insert the credit file it dropped my score 41 points and its no longer showing on my credit report I called the bank because TransUnion says they deleted it and the bank has no clue what Im talking about but the other 2 credit bureaus are still reporting it I need it put back on my credit report
Consumer complaint received 2019-11-11
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)

I am requesting to remove XXXX XXXX account which was opened as a fraud. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-09-18
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. (CA)

XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.