davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1.DEPT OF EDXXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.
Consumer complaint received 2018-05-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

1. XX/XX/2017 Received balance due notices from Drs. Presumed they billed primary insurance ( XXXX XXXX of Illinois and secondary coverage with XXXX. ). 
2. Phoned XXXX. office ( XXXX ) advised operator my name misspelled on billing notice and advised them that this may be the problem submitting bill to my insurance providers. Gave correct spelling and XXXX #. 
3. XX/XX/2017 received " XXXX XXXX XXXX XXXX notice. Name still misspelled, at XXXX, I phoned XXXX. and spoke with " XXXX '' advising her that my name was misspelled and that may be the reason why they are having trouble with insurance. 
4. XX/XX/2017 followed up conversation above with a hard copy letter and fax repeating error on their part and sent copy of XXXX Summary Notice. 
5. XX/XX/2018, received a collection notice from " First Federal Credit Control , Inc. '' with threat that unpaid balance will be reported to Credit Bureau. 
6. XX/XX/2018 filed complaint with CFPB.
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have attempted to set up an auto payment on my credit card through the bank of America at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers.
Consumer complaint received 2022-09-15
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. (GA)

LCI which is a third party company is report Bankruptcy on my transunion report and they have violated my FCRA ACT, Privacy ACt and Gramma Leach Bliley ACt.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 


The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Mailed letters on XX/XX/year> and XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting my 7th CFPB complaint to you today requesting that the Credit Reporting Agencies remove the disputed fraudulent information from my Credit Report. I have been disputing the fraudulent accounts and information from my Credit Report and it is clear that the Credit Reporting Agencies are not willing to comply with my requests. The Credit reporting Agencies continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Also, I have read that the Credit are required to remove the disputed accounts and information that resulted due to the identity theft. I am submitting this XXXX Complaint to request that the Credit Bureaus remove the fraudulent accounts and information completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX White XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00}
Consumer complaint received 2022-09-15
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. (MO)

This is my XXXX CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} JXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
XXXXCredit cards*XXXX _XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX   monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC Equifax : XXXX
Consumer complaint received 2017-08-02
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. (TX)

Have made numerous attempts to resolve the issue of unauthorized inquiries reporting on my credit report. I have previously made a complaint via certified mail and with the BBB. Transunion refuses to resolve this issue and continuously give me the same response after I repeatedly tell them that the creditors are referring me back to Transunion to get these unauthorized inquiries removed since the creditors do n't show me ever applying for credit as I do n't have any open accounts with them. As a consumer, this is very frustrating because Transunion is giving me the run around and I have already been able to resolve this issue with XXXX and XXXX.
Consumer complaint received 2022-09-15
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: Maximus Federal Services, Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

A fraudulent charge for {$12.00} was placed on my Citibank Debit Card by XXXX. I did not provide XXXX with this card # or the corresponding XXXX  digit security code. According to Citibank it was Mastercard who defacto provided this information to XXXX. I was nether dually i formed by my Bank or Mastercard of an arrangement whereby my PII could be passed without my consent. Furthermore it was a new card number that I was given by Citibank that was used because the old number was recently stolen and used illegally. So I did not receive any notice by Citibank or Mastercard that they would or even legally could without my consent provide my my new number and security code to XXXX. I conceded to trying XXXX but I never provided them with direct access to my Debit card. They however by back door arrangement or agreement to which I was not party acted fraudulently by passing my Personally Identifying Information in the form of my Individual account number and Security code. If I was allowed to be in the room where hese backdoor deals happened I would utterly oppose unauthorized use of someone's PII ( including an assigned unique individual Accoint # ) without their consent.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (FL)

The Company reported my loan as 30 days late 3 times ( XXXX, XXXX, XXXX. ) on the report which it is not. The latest being for XXXX even though we are still in the month of XXXX. I contacted the Company and Bureaus to report it and it was verified by the Company. When I called Upstart they claimed they don't have a credit reporting department and therefore there was no one to talk to and to contact the Bureaus. It has jus been a back and forth...
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent documents to Experian, XXXX, XXXX via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should XXXX XXXX XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that 3 accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them
Consumer complaint received 2018-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (FL)

I consolidated all of my student loans and THOUGHT I had started the student loan repayment program. I used Ameritech. After 13 months of paying them over {$200.00} per month, I noticed that no money was going towards my student loan. Ameritech had changed my pin number and was getting all of my informtion. They also altered documents about the number of dependents I had to get a XXXX payment for my student loans, yet they were collecting what I thought was going towards it. A company that helps XXXX  came into our XXXX  and I asked them to look my loan over and they knew right away something was wrong. I called student loan and they helped me get all the paperwork together to do the papers on my own without paying a company. When I called to cancel Ameritech they kept threatening that my payments would now be {$1000.00} per month and I would be better off paying them the {$200.00} instead. I did cancel them. I did start my student loan repayment, but the money I paid for the first 13 months doesn't count towards the 10 year repayment. I am XXXX years old and will be paying these loans until I am XXXX! They also charged fees for the paperwork. It seems like what they are doing should be illegal.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (LA)

I recently reviewed my credit report and I noticed that I had a negative reporting on my credit report from a mortgage company that have closed and switched to a different company. I called to see why was this going to happen I was unable to get someone on the phone. They did not send my proper notice for this change and now it is reporting in a negative status the company did not respond.
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (CA)

All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.
Consumer complaint received 2020-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is a fraud. Their investigation was a sham and did not correct my credit report. They fraudulently closed the investigation XX/XX/XXXX without accurate results that my XXXX XXXX balance was XXXX. When I called, all XXXX  answered the phone and could barely speak XXXX. In retaliation for complaining, they closed the dispute and refused to correct the report. The manager was arrogant and rude and not helpful.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (FL)

A New American Funding loan officer ran my credit without my permission. According to their customer support, XXXX XXXX ran my credit with my consent at XXXXXXXX XXXX but, that is not possible as I was in a meeting at XXXX XXXX I did e-consent for their soft inquiry pull which wouldnt affect my credit but, to my surprise a hard inquiry was pulled. Talk about shady business tactics and no help from support either. Told me to just dispute the inquiry.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

30 days no reply and I would like to get this account off my credit profile. 
1. debt has been sold and charged off to another agency 2.Date of Last payment dont match under all 3 bureaus 3.Credit limit and high credit is not the same for all 3 bureaus