davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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. (IL)

I recently received a copy of my credit report from XXXX of the credit agencies. XXXX, XXXX or TransUnion. 
Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX  XXXX ). 
I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

TransUnion : 30 days late XX/XX/2023 & XX/XX/2023 60 days late. 

XXXX : 30 days late XX/XX/2023 and XX/XX/2023 60 days late. 
XXXX : XX/XX/2023 30 days late, XXXX 60 days late, 30 days late XX/XX/2023 and XX/XX/2023 60 days late.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NQM Funding, LLC (MN)

Received deceptive advertising from - XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL NMLS # XXXX The letter stated that, 'Your conventional loan ... has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. ' I checked XXXX XXXX XXXX site and did not readily identify any recent significant changes to their portfolio/salability requirements or guidelines as described in the advertisement quote above. 

https : XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon requesting a credit line increase with one of my existing accounts, I became aware that there were a substantial number of collections and poor credit accounts that were not mine on my TransUnion credit report. These accounts only appeared on my TransUnion account and not the other 2 credit bureaus, thus hinting at an error with TransUnion. After filing an initial dispute it became apparent that someone else 's name appeared in numerous places on my credit file. It appeared that my data was mixed with other person 's. After a maintenance request with TransUnion most of the accounts that were not mine were removed from my file except for 1. I refiled the dispute but the investigation came back as verified as accurate and the account which is not mine remains on my credit file. TransUnion clearly did a poor job of verifying this account was mine and I had to call the lender directly to try to resolve it with them. TransUnion clearly has a very poor computerized credit reporting system that should be investigated. In addition, I had requested a freeze and fraud alert to be placed on my TransUnion credit report but came to learn later that they were never put in place. Also, the TransUnion website frequently malfunctions or prevents actions from being completed.
Consumer complaint received 2024-04-12
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : ACCOUNT NAME ACCT # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an 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 2022-08-14
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. (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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

On XX/XX/2024 I notified COLUMBIA DEBT RECOVERY via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD. While submitting the information via their website, they require the FTC Identity Theft Report to be notarized, which is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). The FTC IDENTITY THEFT statement is NOT required by law to be notarized, therefore I did not, and will not be doing so. 

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT. 

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

Since XX/XX/year>, my direct deposit schedule has been modified from the first of every month to the third, which has caused an issue with my credit card payment to American Express due on the third. Despite monitoring my direct deposit throughout the day, I have missed my credit card payment deadline by a few hours for the past three months. I contacted American Express 's online customer service to schedule my payment a few days out from the third to avoid late payments, but unfortunately, I did not receive any follow-up communication from their end. I have subsequently followed up each month, seeking an update on the issue and requesting the waiver of late fees as a courtesy due to the circumstances. However, I have not received any information regarding the same. Based on their review of my account, I have been informed that I do not qualify for the waiver of late fees. I can provide evidence of payment made a few hours after the due date to support my claim, if necessary.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MD)

Received email on XX/XX/22 at XXXX that an account was created in my name. a second email was received that an online profile was also created. the bank is Truist. I have no dealings with this bank nor did i authorize any account being opened. i have tried to contact the bank with no response.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

I am a home owner in XXXX Florida. My home suffered major damage during Hurricane Irma. I have a lender placed insurance policy of which I do not have a copy of. Immediately after the hurricane I contacted Seterus ( my mortgage servicer ). They supplied me with the contact information to the mortgage broker. The company 's name given to me was XXXX XXXX XXXX, with the address of XXXX XXXX XXXX XXXX, XXXX, FL. The phone numbers given to me were XXXX and XXXX. When I called those phone numbers both were disconnected with no forwarding information. I then went to the physical address given to me by Seterus and the office was vacant and had been for some time according to the building manager. I called Seterus and was given the policy number XXXX and name of the policy holder, XXXX XXXX XXXX. When I called XXXX XXXX  XXXX they told me there was no policy with that number or policy found with that name. I called Seterus again and was told that even though Seterus has a copy of my policy, they would not give it to me. I have explained to Seterus that my roof has severe damage and I still need a copy of my policy so that I may file a claim. They continue to refuse to provide me with a copy of my policy even though I continue to pay for the policy ( through escrow ). In the meantime my roof still has severe damage and I am still waiting for a copy of the policy from my mortgage servicer.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates (IL)

I am experiencing communication tactics issues with L J Ross Assoc. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XXXX. Additionally, some representatives of L J Ross Assoc have used XXXX  language during these calls, further exacerbating the situation.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I did my ny state unemployment with state benefits the state gave me back pay and in direct deposited to my account. They gave me a XXXX $ balance I go take off XXXX then another XXXX $ so I can have XXXX ) because if the XXXX $ cap limitation limit. My car payment was XXXX $ next I needed gas so I tried to get gas card declined.. then. Go home I try to pay rent XXXX $ denied. We have been waiting on unemployment money for weeks and PayPal close my account with my money in it. I need to pay my bills during the corona virus.
Consumer complaint received 2020-08-31
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXXL XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gordon, Aylworth & Tami, P.C. (OR)

A person went to my mom 's house to serve papers supposedly for me. I'm not sure if this is legal as that is confidential information and it was not me being served.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX I deposited by payroll check via Citizens Access Mobile app. The check was for {$1200.00} XXXX I got a notice from Citizens Access that the check is on hold until XX/XX/year>. I called their customer service and they said there was nothing they could do and they would put in a case ( gave me case # XXXX ) They claim the " hold is due to paying bank XXXX XXXXXXXX XXXX  ) indicates the check may not pay '' We went to an XXXX branch and they said they did not tell Citizens Access the check would not pay and they already cleared it on XXXX in the XXXX 

XXXX I called Citizens Access again and told them XXXX cleared the check and Citizens Access said it is still on hold and there was nothing they can do. I spoke to XXXX ( a floor supervisor ) and she was very rude saying there's nothing they can do. 

XXXX Citizens Access called me to say the check is still on hold as they believe it still may not pay. I told them it cleared XXXX and she said there was nothing they can do. When I said I was going to close the account when they finally release MY money, she giggled at me and said " I don't blame you ''. My employer called XXXX and they supplied a report to show that they did pay out the check for {$1200.00} but there was nothing more they could do to help. 

I feel Citizens Access basically stole my money as there is no way, in XXXX, they need to hold a business payroll check for 2 weeks.
Consumer complaint received 2024-04-06
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. (DE)

Dear XXXX I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report. 

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report
Consumer complaint received 2022-08-14
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. (GA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate XXXX Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX XXXXDate of XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX NaDate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX NaDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX  NaDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (TX)

A letter was received by I ( XXXX XXXX ) in regards to property taxes that was paid by Flagstar bank to The XXXX, Texas. In the letter, it was stated that not enough was in our escrow account to cover the balance. So we'd be repaying the balance owed, roughly {$5700.00}. 

I contacted Flagstar bank soon after to inquire about making a one time payment of the full balance in order to control our monthly mortgage payment cost. I was told by two different customer service representatives that if I paid the balance in full, my monthly mortgage would go down. 

On XX/XX/year> a XXXX XXXX  cashiers check in the amount of {$5700.00} was issued. Check number XXXX was sent to Flagstar bank on XX/XX/year>. Strict instructions were included with the check to repay escrow balance. with account number XXXX. A note with the check was also included with instructions and details of the amount owed to our escrow. 

On XX/XX/year>XXXX  I checked our Flagstar account to see the check was posted on XX/XX/year>. It was applied to the XXXX and XXXX mortgage payments.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The bankruptcy court did not accept my filing, and was dismissed. But XXXX, and TransUnion has has placed this very negative item on my credit report. I've asked several times to verify and validate this bankruptcy on my credit report. I contacted the bankruptcy court office and received a letter stating that they do not send information to the credit bureaus. So I want to know what company is sending inaccurate information to the credit bureaus without my permission, which is a violation of my rights.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Bait switch advertising, I send all docs they request for a business loan, after they check my fico score, and send bank statements as they request, showing a good credit XXXX, bank showing making plenty to pay any loan amount and still denied for a credit on the basis of no fico score e en showing a copy from experian my scoremis what I said is it.
Consumer complaint received 2016-10-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (TX)

I have nothing to do with Midland Credit Management, they bought an old outdated account over 7 years old from XXXX and they have been sending letters after letters to my employer which caused me embarrassed and about to lose my job. Per Fair Credit Report Acts, this account was over 7 years old and need to be removed from my credit profile, I have sent them many requests and they have never response but instead keep sending collection to my employer instead of my home address