davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

These thieving criminals, in response to our legitimate complaints against their bad business practices, have instead decided to abruptly, and without warning, close our checking and savings accounts, and to add insult to injury, decided to confiscate {$20000.00} of our money which is actually XXXX XXXX federal loan money and illegal to confiscate. 

Please urgently investigate and advise, and above all, not only release our XXXX money in total, but keep the bank account open and punish those responsible for this theft.
Consumer complaint received 2022-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My fiancee and I refinance our loan with XXXX and received a nice lower mortgage payment of $ XXXX. Then XXXX sold our loan to this shady, unethical company called Flagstar. We received a bill on XX/XX/2022 stating that we owe them {$1200.00}, a {$250.00} jump from our regular monthly payment. They claim that it's due to a shortage in our escrow. This is XXXX! Flagstar pulled this XXXX with us before. They used to service our account. This is why we went with XXXX. This is a shady outfit and if you check your complaints you will see that many of Flagstar 's customers have similar problems with this shady, unethical company. 
I'm writing this complaint to add to the many complaints this company has. My next step is to go to the attorney general of Florida. My fiancee and I work too hard to have some out of state shady, unethical company steal money from us. As I said we work too XXXX hard. 
I don't know what help we can get from Consumer Fiancee Protection but we need protection from this lousy company. ( Flagstar )
Consumer complaint received 2016-06-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

applied for a payday loan from ACE cash express on XXXX/XXXX/16. did not receive funds as promised on XXXX/XXXX/16 so I called and cancelled. 
with cust svc rep XXXX at ex XXXX XXXX assured me that loan was cancelled. received funds on XXXX/XXXX/16. Tried to cancel, talked to an extremely rude CSR named XXXX, she claims computers are down so I can not cancel or pay off loan, she then hung up on me during conversation. called back and asked to talk to her supervisor and was hung up on again, Computers will be down all day so I can not pay off loan until XXXX/XXXX/16 if computers are working then. They have been down two days. on XXXX/XXXX/16 it will be past the 72 hr limit to pay off loan without charges. They said charges will occur even though I can not pay loan due to their computer system failure.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-17
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. (FL)

In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.
Consumer complaint received 2022-07-17
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. (FL)

Re : Reinvestigation on data being Incomplete and Inaccurate and violation of FCRA [ 15 U.S.C. 1681i ] To Whom It May Concern : I received a copy of my credit report on XX/XX/XXXX and found the following item is still reporting as inaccurate or incomplete. 

DISPUTE # 1 - FCRA [ 15 U.S.C. 1681i ] Account Name : XXXX Vacation Resorts Account Number : XXXX Dispute : Loan Type : XXXX XXXX  I have never had a timeshare loan where I signed a contract with XXXX XXXX XXXX for a timeshare loan. 
Inaccurate : Date Opened : XX/XX/XXXX DISPUTE # XXXX - ( XXXX ) Duty to provide notice of delinquency of accounts DUTY TO PROVIDE NOTICE OF DELINQUENCY OF ACCOUNTS The person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Dispute : Date of Delinquency is MISSING. 


Note : Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Upon completion of this reinvestigation, I am requesting the following ; a. Complete copy of updated credit report b. Notice of Results of Reinvestigation : TransUnion shall provide written notice to me, the consumer of the results of the reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail c. As the consumer I DO NOT AUTHORIZE Transunion you to provide the reinvestigation to me in any other manner except via MAIL.

d. Notice of Results of Reinvestigation : Contents, as part of, or in addition to, the notice under above item ( b ), TransUnion shall provide to me the consumer in writing before the expiration of the 5-day period referred to in above item ( b ) a. a statement that the reinvestigation is completed; b. a consumer report via mail that is based upon the consumers file as that file is revised as a result of the reinvestigation ; c. I am requesting a notice of the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

d. I as the consumer am requesting following any deletion of information which is found to be inaccurate or incomplete and whose accuracy or incomplete can no longer be verified or any notation as to disputed information, the consumer reporting agency shall furnish notification to all companies who received a consumer report with the last six months prior, which contained the deleted or disputed information that the item has been deleted.
Consumer complaint received 2024-02-13
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. (SC)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (CA)

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-02-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2022-07-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MN)

This occurred during XXXX XXXX XXXX 

1. I received a 'fake check ' from someone at XXXX. ( didn't know it was a fake check at the time I received ) 2. Deposited the check to my Checking Account ( Chase Bank ) 3. The Bank cleared within one day.

4. Once I saw the amount clear, I sent the portion of the money to the scammer ( without knowing it was a scam ).

5. Once I sent the money to the 3rd party ( scammer ), the original check bounced.

*The original check was valued at {$2900.00}. I sent {$2600.00} to the scammer via XXXX. Thus, I lost the total amount of {$2600.00}.
Consumer complaint received 2018-03-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking XXXX XXXX to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
Consumer complaint received 2024-02-13
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-08-08
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. (CA)

I CALLED AND SPOKE WITH XXXX AT EXPERIAN, WHO IS THE SUPERVISOR, TO REMOVE ITEMS FROM MY CONSUMER REPORT AND WAS TOLD THAT THE ITEMS NEEDED TO BE DISPUTED. I INFORMED HER THAT I NEED THE ITEMS REMOVED IMMEDIATELY DUE TO EXPERIAN NOT HAVING MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF. I ASKED XXXX IF EXPERIAN DOES IN FACT HAVE MY WRITTEN PERMISSION, AND ON A RECORDED CALL, SHE STATED NO. THAT IS A VIOLATION OF 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.NOT ONLY HAS EXPERIAN VIOLATED TITLE 15, BUT THEY ALSO VIOLATED THEIR OWN PRIVACY POLICY WHICH STATES " WITH YOUR CONSENT : WE SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES YOU EXPRESSLY AUTHORIZE, CONSENT TO, OR DIRECT US TO SHARE YOUR INFORMATION WITH. ''
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (GA)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (FL)

I made 35 out of 37 payments, lost my job and tried to use my remaining funds in my 401K to purchase the vehicle. I was advised I had to pay over {$8000.00} to pay the vehicle off even though the care total finance amount was {$11000.00}. The company sold the vehicle and then the remaining balance to XXXX XXXX, and they are now trying sue me for over {$3000.00}. This company went as far as removing my credit history from XXXX as if I never existed and said I missed numerous payments. I have already filed a complaint with FTC, and the Consumer Protection Agency.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received an email alert from Experian.com stating that a Hard Inquiry from XXXX was done. 

Today, I contacted Experian to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, Experian.com asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to Application services. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the XXXX XXXX XXXX to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the XXXX XXXX XXXX for any fraudulent address change request.