davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (AL)

In accordance with the fair credit reporting act 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 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

these are the accounts. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX- XXXX. 
XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX us department of eduXXXX us department of eduXXXX-XXXX  us department of eduXXXX us  department of eduXXXX 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 2022-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (CA)

Around XX/XX/XXXX, I was notified my mortgage service provider had changed from XXXX to Valon, my mortgage is fixed at 2.75 % with a monthly payment of {$2600.00}. On or around XX/XX/XXXX I received an Escrow Account Disclosure from Valon stating my escrow funds were short {$3200.00}. On XX/XX/XXXX I paid the {$3200.00} to avoid paying a higher monthly mortgage. After disagreeing with representatives at Valon it was discovered their escrow had made a mistake. On XX/XX/XXXX I received an email stating Valon had made a mistake with my Escrow Account Disclosure and my mortgage would increase {$120.00}. At this time I have paid the {$3200.00} and my monthly mortgage has still increased {$120.00} on a XXXX fixed mortgage. My property taxes for XXXX XXXX XXXX has increased {$7.00} from {$6600.00} to {$6600.00} between XXXX and XXXX estimates. I have not received any money in return from Valon nor have they returned my mortgage to {$2600.00} and my insurance was not paid until it had expired. Every conversation I have had with Valon has been met with no explanation of these errors nor have I received any money back since paying these bills. I would like to see an investigation opened against Valon and their business practices
Consumer complaint received 2022-06-21
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. (AL)

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I requested a credit line increase with capital one on XXXX XXXX. They sent me a letter saying my request was denied because my payments were too low. I always pay more than my minimum payments so i disagree with the findings. I have reviewed my payment history and it was 40 percent more than my minimum payment requirements. I would like a reconsideration. I am a loyal customer and i strongly believe that i am more than qualified to receive a credit line increase.
Consumer complaint received 2022-06-21
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Consumer complaint received 2022-06-20
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. (FL)

I have reasons to believe that a collection agency have erroneously reported information on my account and has illegally charged a fees of what I owe ( XXXX ). I have submitted a dispute with TransUnion which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed - none provided. Subsequently, I sent another request in the month of XXXX, which I got a response in within 30 days that the dispute inquiry was complete, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have filed a dispute with CFPB more than 15 days ago and still no response from them. I have already had this removed from XXXX, so it's evident that the information is incorrect, but it seems like TransUnion does not want to assist.
Consumer complaint received 2022-06-21
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. (AL)

XX/XX/XXXX, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

I then sent a letter for verification purposes on XX/XX/XXXX asking the credit bureaus to verify what source they used to verify that the bankruptcies that are showing on my personal credit reports are accurate. I had XXXX to place my inquiry in disputes after the letter clearly states I'm not disputing at this time and they responded back stating that the information was accurate and will not be removed, without stating the source they got the information from. Transunion and XXXX never responded back to my letter from XXXX, XXXX, XXXX. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (CA)

I received 2 notices, sent to an address I have not been living at for 20 years, for separate accounts from Truist Client Center titled " confirming your acceptance of Overdraft coverage ''. Calls to Truist have resulted in either, multiple hours on hold, transfers to the fraud department that disconnected, or no help because I would not provide my SSN ( not willing to provide more than the information on their mailers because they have already shown they shouldn't be trusted ). I did get through to the fraud department and they said I could expect something in the mail. What I received instead was notices from 2 more accounts ( now 4 accounts that I am aware of ). A call made today to the number on their website resulted in another transfer/disconnect ). I am currently on hold with their fraud department as I complete this form.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is violating my rights as a consumer under the FCRA by slashing my credit limits after I have successfully proven to them that I make more than enough money to pay their bills and taking me through an embarrassing process. 

I was on the phone with one of their representatives for more than 2 hours to have them call my bank on 3 way, exposing my password secrets, and asking if I have money in my account to pay a bill. 

What kind of XXXX is that? A mistake to pay my bill one day before I had money in my personal account is not a reason to slash all limits on my business cards.

If Amex do not follow rules under 15 USC 1605 and 15 USC 1681 and give my rightful access to my open ended credit line, I will file Arbritration clauses against them immediately for defaming my character.
Consumer complaint received 2021-09-30
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (SC)

Fedloan has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to XXXX and never received anything.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (FL)

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 


Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

there has been an error occured by bank not noticing a fraudulant withdraw by a unknown source from my acount in the amount of {$13000.00} plus has been withdrawn by an unknown person which bank of america did not notice this fruaudulant activity on my acount and it is the bank of americas fualt by not noticiting this fraudulant activity on my acount and therefore bank of america refuses to return and/or credit my acount with this fund amount that was taken out illegaly fruadulanty and unathorized from my bank acoount even though i tried many times to resolve this issue with bank of america need to have bank of america return this fund to my bank acount and credit my bank acount with this stolen fund from my bank acount.
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/2021 I was informed by the American Express that I was being canceled. I was never told why I was just sent to a collection agency. Immediately I talk to the lawyer/collection agency and I explained I would send him the {$3800.00} that American Express says I owe. 
They gave me no reason to cancel my account and immediately I sent the {$3800.00}. Then they said that I owed a 60 day late. I believe theyre Being vindictive.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have tried disputing this debt directly with Capital One since XX/XX/2022 to no avail. This account is fraudulent and I have submitted a police report to Capital One which states that I was a victim of identity theft and they still will not remove this fraudulent account from XXXX credit report. When I contact them via phone about my dispute ( Capital One dispute case numbers XXXX XXXX or XXXX ) and when I receive letters in the mail, they do not specifically state why they refuse to move this account from my credit profile and why the police report that I submitted is not sufficient. I also had another fraudulent account that someone opened in my name with Capital One and when I disputed it by sending in the same police report, they removed that account from my credit profile. So why is it that the police report is sufficient enough for Capital One to remove one fraudulent account from my XXXX credit report but not the other fraudulent account? I am submitting a copy of my most recent dispute letter, police report and Capital One 's most recent response as supporting documentation.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (GA)

I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IN)

In XXXX of XXXX I started working with an online company called XXXX. everything went great for 3 months. I deposited over XXXX dollars in bitcoin. They shut down on XX/XX/2022 and took all my bitcoin with them.
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MD)

On XX/XX/2023, I was XXXX  in Washington XXXX DC. My wallet with {$400.00} and all of my debit cards were stolen. I did t have transportation or access to make my Monthly payment of {$240.00}. I have paid my bills on time each Month and was never late. Because of this event, I was late one time and now have a 30-day late report on my credit reports. This has caused my reports to decrease.
Consumer complaint received 2022-06-21
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. (KY)

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX US Dept ED Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-20
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. (VA)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.