davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all Transunion XXXX XXXX and XXXX. XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} Transunion nor XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all Transunion, XXXX and XXXX. XXXX XXXX XXXX could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
Transunion failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all Transunion, XXXX and XXXX. Transunion XXXX XXXX could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all Transunion, XXXX and XXXX. XXXX & Transunion could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX # XXXX - Have disputed multiply times with all Transunion, XXXX and XXXX. XXXX XXXX Transunion could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for 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 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.
Consumer complaint received 2022-06-09
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. (CA)

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were LATE CLOSED accounts on my credit report DPT EDXXXXDEPARTMENT OF EDUCATIONXXXX XXXX DPT EDXXXXDEPARTMENT OF EDUCATION/XXXX XXXX DPT ED/XXXXDEPARTMENT OF EDUCATION/XXXX XXXXXXXX DPT EDXXXXDEPARTMENT OF EDUCATIONXXXX XXXX DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX XXXXXXXX DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX XXXX XXXX -these accounts do not belong to me. Ive never applied for a student loan and this fraudulent address XXXX XXXX XXXX XXXX XXXX CA XXXX This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had and have credit freezes on the XXXX credit bureaus accounts. There was a fraudulent request from Capital One for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by Capital One on the XXXX, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. Capital One has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Consumer complaint received 2022-06-09
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY ()

I have been a long term customer. In XXXX I moved to XXXX, I didn't know how it would be, and asked TD to keep my account open and in good standing, they did until this year. 
Starting in XXXX, and through all XXXX, TD has caused a number of problems. 
I have had a TD Debit Card, but as there were no emergencies the card and account savings were unused. 
I'm just going to list the problems, in finishing I will detail the situation TD has left me. 
Problems : XXXX sent paper-mail letter to incorrect address in XXXX- not express mail. XXXX was lost for 4 months. 
XXXX : XXXX branch emailed request for me to update my personal information, address and phone. 
TD contacts me, requesting personal information, address and phone - information on file isn't what I provided. 
TD deactivates my TD Card without informing me. So when I try it at my XXXX Bank it is declined. 
I email TD why this happened, they say your card wasn't used for XXXX years so we deactivated it. 
I say well I need to use my card for health insurance and to replace my very old phone. 
Since they can not reactivate the card a new one is sent, but not with express mail, so card is lost for weeks. 
I insist they send a replacement card via express mail. 
Surprisingly, my new card is declined for purchases, and at my XXXX Bank. 
I email for help, they TD says the card was deactivated " for my protection ''. 
I ask TD to stop protecting me and allow the card to work, but I am never able to use my card, ever. 
Concerning health insurance - I missed the window when it was available because " no access to my savings ''. 
I ask TD Bank to mail a cashiers check - expensive and time consuming- to finally get me some money. 
XXXX XXXX XXXX tries to sell me an XXXX, my TD card is declined again, I pay cash. 
In the XXXX XXXX I notice TD Bank used an incorrect phone number for authorization. 
All during XXXX my card was always declined yet no TD person could/would help me. 
TD finally closed my account... WOW!
Consumer complaint received 2022-12-04
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: Bridgecrest Acceptance Corporation (FL)

15 USC 1681 Section 602 States I hhave the riight to privacyy 15 USC Section 604 States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-13
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: Global Lending Services LLC (AL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 use 1681 section 602 states I gave the right to privacy. 15 use 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 use 1666b a creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-13
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. (LA)

I have attached a file with all incorrect information on my credit report. I went in to a dealership to apply for a car loan and found my credit ran numerous times without my permission, causing tons of inquiries to be added to my report.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX TWICE - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Consumer complaint received 2024-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

I have a home equity loan which is serviced by Shellpoint Mortgage Servicing. I logged on a few weeks ago to make my payment and noticed that my payment amount was much more than it should be. The website said my regular monthly payment is {$1300.00}, when it should be {$980.00}. It also said I have a variable rate mortgage with an interest rate of 8.25 % when it should be 5.26 % fixed. My loan originated with XXXX  XXXX XXXX in XXXX as a HELOC. On XX/XX/XXXX, in anticipation of the end of the draw period which would be coming in XXXX of XXXX, I locked in my interest rate on the entire balance of the loan. My payment for the duration of the loan would be {$980.00} a month, and my interest rate would be 5.26 % fixed. My loan was recently sold to a new investor, so I imagine that some paperwork didn't transfer over, even though it's the same company servicing the loan. I called them to alert them to the issue and ask that it be corrected but it has yet to be. I then uploaded to their system a letter from XXXX XXXX XXXXXXXX confirming the conversion to a Fixed Rate Loan as well as a statement from XXXX  XXXX XXXX showing the HELOC portion of the loan with a balance of XXXX, and the rest of the loan balance as the new XXXX. I also uploaded a statement from Shellpoint from XX/XX/XXXX, showing the monthly payment of {$980.00}. And they also have statements from the time they have serviced my loan, with the correct interest rate and payment amount, in their system. I have also mailed an error resolution request letter with the letter from XXXX  XXXX XXXX stating the conversion to a XXXX as well as a statement from XXXX  XXXX XXXX. They received that on XX/XX/XXXX. The corrections have still not been made to my account. I have attached the above mentioned documents.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (GA)

I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is XXXX.
Consumer complaint received 2022-12-04
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: AMERICAN EXPRESS COMPANY (MD)

In accordance with the fair credit reporting act, The account receiving this has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2500.00}
Consumer complaint received 2022-09-13
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-13
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. (FL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

tl ; dr : Instead of cancelling payments when a card is declined, Paypal is then defaulting to your bank account, even if it was not clear in the payment steps that would happen.

I'm not sure how to categorize this or whether this is a true complaint that would incur CFPB action, but here goes. I have been using Paypal for years with BANK ACCOUNT # XXXX for internet purchases. I recently received a debit card for BANK ACCOUNT # 2, which was not previously associated with my Paypal account. I started using Paypal 's Billpay service in late XX/XX/XXXX with this new debit card, after adding it to my Paypal account. I did a few test transactions and confirmed that Paypal was pulling from the debit card for payments. 

On XX/XX/XXXX, I initiated a {$3200.00} payment to my mortgage lender with my debit card via Paypal 's billpay service. Within the payment steps, I clearly selected the debit card and submitted. Since this was a new card, I didn't know the card had a daily spending limit, so the payment was declined - and here is the issue. Rather than the payment being cancelled due to the selected payment method being declined, Paypal proceeded to select BANK ACCOUNT # 1 as a payment method. Since I wasn't planning to use BANK ACCOUNT # 1 for this payment, I didn't have the funds in that account.

I spoke with Paypal and let them know that as a consumer, when you pay with a debit or credit in a retail store, if you're over the daily spending or total limit, your card gets declined and you are given the option to select another payment method or cancel the transaction altogether. This is not the case with Paypal. I was told that Paypal fronts the money to the bill payee regardless of whether your chosen payment method is accepted or not, and they then proceed to cycle through all of the bank accounts and debit cards associated with your account in order to debit the funds your used for billpay.

So my questions are, why are they sending the money to the payee BEFORE doing a POS-type balance check when you select a debit card as your bill payment method? Why are they proceeding with a bill payment when your selected debit payment method is declined? It is not clear to the consumer that this is happening, as they are selecting a single payment method. I can understand when doing a payment from a bank/ACH, as there is a delay in balance info there, but it should be clear from the outset that a debit card payment will be declined and then the transaction ends there. And They also offer zero help in trying to clawback funds from the payee ( I ended up paying my mortgage lender separately, not realizing the payee was actually paid despite my bank not having a sufficient balance, resulting in the payee being paid twice ) or cancelling repeated attempts at debiting funds from a bank account that has insufficient funds, resulting in multiple fees from the bank.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.