davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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)

Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit XXXX, sending multiple letters and got no where.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

o Whom it May Concern, My name isXXXX XXXX, the last four of my Social Security number isXXXX. 

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes.My Consumer Number : XXXX and Case Number : XXXX. After areview of my consumer report, I found an item that is inaccurate. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX  XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy. I have contacted the court listed on my consumer file and the court informed that they do not have a record of bankruptcy under my name, full social security number and date of birth They informed methat they do not send any information for anyone bankruptcy to LEXISNEXIS and that you may have got information from XXXX in which it is not complete per the bankruptcy court. Lastly, I did not file a bankruptcy so please explain how you got this information. I want you to remove this bankruptcy that do not belong to me from my consumer report. Also, I like to dispute a CRIMINAL OFFENSE RECORD XXXX XXXX XXXX ( XXXX ) ID Number XXXX. I have a son with my exact name who is a junior who is in prison NOT ME. How did you get this mixed up? I would think before you list adverse information on my consumer report you would verify that you have the complete personal information of a consumer, that includes full social security name, full correct name, address and date of birth. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated report along with the investigation results.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WA)

I closed my Fortiva credit card account last year and am being charged a monthly " Account Maintenance Fee '' in the amount of {$12.00} and was just charged an " Annual Fee '' of {$49.00} on XX/XX/2019 even though my account is closed.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: INTERNATIONAL BANCSHARES CORPORATION (TX)

I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with International Bank of Commerce was opened fraudulently under my name on or about XX/XX/2020 and closed XX/XX/2020. XXXX XXXX  XXXX opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an XXXX Checking account, and I don't understand why or how this happened. XXXX refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX  XXXX XXXX via USPS mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes XXXX different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, Texas as my correct address.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (CA)

I have a mortgage with Valon Mortgage. I have my home insurance and flood insurance impounded into an Escrow account. Valon is stating they require WIND insurance in my home policy. My insurance agent has sent them my entire home insurance policy which shows wind damage is included. They continue to require me to get wind coverage and are forcing me to pay for their policy, which is over {$2000.00} annual policy. On XX/XX/2022 my insurance agent sent the Valon Agent XXXX this response : XXXX : It was good speaking with you a few moments ago. As discussed heres a copy of XXXX XXXX full policy showing NO EXCLUSION for wind claims. Please have Valon mark this matter completed and cease and desist all force placed coverage actions. 
XXXX then closed the matter. On XX/XX/2022 I received a call from XXXX stating that Valon reviewed my homeowners policy and I do indeed have Wind coverage. On XXXX  XXXXXXXX XXXX I received another letter stating valon will be requiring that I have a seperate Wind Policy again. I want to make a complaint under the below " insurance not considered force-placed insurance '' https : //www.consumerfinance.gov/rules-policy/regulations/1024/37/ # a-1
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On Friday, XX/XX/22, I deposited a payroll check using Discover Banks mobile app. The check is a local county government check drawn on XXXX XXXX government services division on behalf of the XXXX XXXX XXXX XXXX XXXX. Upon depositing the check, I was notified that the funds would not be released until XX/XX/XXXX, a 10-day hold. The customer service reps I spoke with could not do anything about the hold. 

It is my understanding that banks should not hold a deposit of a government check no longer than 2 business days, which would fall on XX/XX/XXXX. Furthermore, I am not a new customer.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (WI)

Hi, I wrote to Discover numerous times. I explained the situation since we were experiencing financial hardship. We had to move due to family health. Also, I lost my checking account. In the past 9 months, we have had 3 hospitalizations and numerous doctor 's visits. The medical condition now worsened to a severe status. XXXX and Social Security does not really cut it at this point. We may need to check into Affordable housing solutions since we barely paying rent and we receive numerous disconnection notices. 
I asked for forgiveness. 

I asked to cease contacting me a number of times. However, they keep calling about 3 times a day. Right now, with no assistance. Most calls are robocalls. They seem to repeat the same threats and the situation has not improved at all especially with this Covid-19 crisis. 

Can you help? This stress is not helping in the current crisis. They say they won't contact, but they continue to do so. 

Thank you.
Consumer complaint received 2020-09-08
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. (GA)

THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AL)

Upon an agreement to purchase a Mule ( equine animal ) Zelle was used through my XXXX XXXX XXXX XXXX mobile banking app to send XXXX XXXX then a request was made and another XXXX $ was put through ( listed below with all information ). Contacted originally on XXXX, and used XXXX XXXX to communicate with a XXXX XXXX. 


Payment details of XXXX $ transaction- To : XXXX XXXX From : My account Sent : Wednesday, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX Payment details of XXXX $ transaction- To : XXXX ( XXXX XXXX ) From : My account Sent : XXXX, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I had opened a loan with Chrysler Credit had paid extra payments through out the loan term. At one point during the term I questioned them on how they were applying the extra funds I had submitted and they told me it was going to the term of the loan. Which made no sense. Things got really messy when I ask for a one month extension they put two on there and when I asked why they said that was policy they put those two on the back of the loan. Then when the payment came due they showed it 60 days. At one point I feel behind and they took the car. I had to get it back and paid that ridiculous amount. This car has been paid off but what they are showing is unreasonable fees.
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Nation star bought my mortgage and then became Mr Cooper. Any time I have called this bank with an issue they will make me jump through hoops and avoid the real problem. Examples are : I called to find out why my monthly payments went up. The person I was speaking to decided to crunch numbers. I explained I'm not an accountant and asked if my insurance or tax 's went up. They refused to answer me and continued to go through the numbers. 
During covid all my loans where allowed to skip 3 to 6 months payments. Mr Cooper wanted to go through another mortgage type of application. I didn't go ahead with it as I believe they wanted to use that to raise the interest rate.

Most recently I wanted to pay a large sum against the loan and called to be sure it all went to the principle. I was told I had to make the payment over the phone and they don't take credit cards.

I had previously made a large payment and called ahead to tell them I wanted it all to go to the principle and they used a portion for a monthly payment against my wish 's. There is more and I see a lot of people complaining on their XXXX XXXX page.
Consumer complaint received 2022-07-30
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. (PA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Credit Card Capital one Credit Card - I have rewards dollars of over {$2500.00} dollars. When they closed my account in XXXX I requested payment of my rewards balance. They said 30-60 days they would return my money. When I called today XX/XX/23 they increased the time they would hold the money to 3-4 months. Even the agent helping me at Capital One did not know why they are holding my money. Even if the policy did change during this process I should be Grandfathered using the older policy. 

I am reaching out to you to help me get immediate access to my money per :
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX, Experian, And XXXX  are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Account status closed. Experian last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Payment status seriously past due date/ account closed.
Consumer complaint received 2022-08-11
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)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX.
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

On XX/XX/22 I received a debt collection letter from Portfolio Recovery Associates for the amount of {$880.00} and stating I owe XXXX XXXX XXXX XXXX XXXX 
The are fraudulently trying to collect on a debt that is past the statute of limitations of 7 years. The account referenced is : XXXX.
Consumer complaint received 2022-04-07
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. (NC)

My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX USED A XX/XX/2022 XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.