davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Selip & Stylianou, LLP (VA)

XX/XX/XXXX Received 1st and only notification from Selip & Stylianou, LLP about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX.When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address.On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they don’t have a license to practice in XXXX.On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative.On XX/XX/XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with themOn XX/XX/XXXX, XXXX verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above.On XX/XX/XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for $XXXXAgain, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX.I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (IN)

I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.
Consumer complaint received 2022-06-28
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, XXXX and TransUnion from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2021-03-02
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. (NJ)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions with the consumer to whom it relates. 
I, XXXX never gave credit bureaus any written consent to report anything on my consumer report, no consent is identity theft. 
A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

I had submitted several payments anywhere of 10-12 payments to XXXX bank XXXX and key kept fluctuation what funds I had available or not, while not showing me what was coming out to be able to maintain not getting any fees, everytime I thought I was done, I got more fees. My new bank XXXX shows me when a check in pending, thats right a paper check! So not being able to see any ACH or anything is stupid and just allows them to collect more fees! 


Also they have my account locked out online so I cant log in OR even recover it to try and give exact figures. MADNESS!
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

ON XX/XX/XXXX RECEIVED LETTER FROM XXXX XXXX , XXXX ABOUT DEBT FROM LVNV FUNDING, LLC. RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT, RECEIVED NO RESPONSE ON XX/XX/XXXX RECEIVED LETTER FROM RESURGENT CAPITAL SERVICES REPRESENTING LVNV FUNDING, LLC RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT WITH MY SIGNATURE THAT I OWE. THEY DIDN'T VALIDATE DEBT. 
ON XX/XX/XXXX RECEIVED A LETTER FROM XXXX  XXXX XXXX XXXX XXXX. REPRESENTING LVNV, RESPONDED WITH DISPUTE LETTER TO VALIDATED DEBT, RECEIVED NO RESPONSE. 
ON XX/XX/XXXX RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX STILL REPRESENTING LVNV. RESPONDED WITH A LETTER ASKING AGAIN TO VALIDATE DEBT. 
ALL OF THESE COMPANIES ARE AFFILIATED AND HAVE BEEN INVOLVED IN A CLASS ACTION SUITE IN THE STATE OF NEW JERSEY. 
THESES COMPANIES HAVE HARASSED ME IN A THREE MONTH TIME PERIOD.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My capital one credit card account was charged an annual fee on XX/XX/XXXX. When I saw the fee on my account I called on XX/XX/XXXX to address the issue. I was told they can not refund the fee without canceling my account. I agreed to cancel my account and was transferred to a supervisor. The supervisor told me I would lose the rewards associated with my account and I could have a check sent to an address. I asked instead to have the value credited to my account. When she told that was okay and asked me to confirm having the money added to my account. When told the conversion value of the rewards I was very surprised at how low the value was. I asked what other options I have, and she said it was too late you already confirmed. 

I am now in a position where I can dispute my rewards, but the requires me to leave the account open which means I'm going to be charged a fee. I feel like I'm being held XXXX by the credit card company. It's bad enough I'm going to have to impact my credit score to dispute the fee. The monetary value involved is low, but the behavior of Capitol One in this case feels predatory.
Consumer complaint received 2022-06-28
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. (TX)

n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
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. (AL)

Its for my Equifax Credit Report theres XXXX on there I dont recognize 1.XXXX XXXX Inquiry Date XX/XX/XXXX 2.XXXX XXXX  Inquiry Date XX/XX/XXXX 3 . XXXX XXXX Inquiry Date XX/XX/XXXX I have called Equifax and they said they couldn't remove the inquiry unless I have filed a report with you CFPB I also have tried to call both companies and could not get ahold of either to help me with this matter. If you could please help me out that would be GREAT now if I did Inquire about those companies please have them email a copy of the Inquiry and where I signed off on it thank you XXXX XXXX
Consumer complaint received 2022-11-18
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. (CA)

Experian has refused to resolve their error, an account that has been settled and is now over XXXX XXXX XXXX and has been removes by other credit bureaus remains on my Experian report. Per the Fair Credit Reporting Act this is unjust. Experian has failed to remove it despite my attempt using their dispute process twice, most recently in XX/XX/2022. Dispute report number XXXX. Why are credit bureaus so protected when they dont follow law and procedure? It affects peoples livelihoods.
Consumer complaint received 2021-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received alerts that my credit was being accessed by Bank of America on XXXX. 
I immediately called BOA today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from BOA came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w BOA on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX XXXX and a few other creditors who alerted me that BOA checked my credit again today. So I don't care if BOA doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at BOA who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I reached out to the seller and asked for a washer and dryer new for XXXX. Didn't have. Ask for my cell sent different pictures of washer and dryer a. I asked could we negotiate. A set sold. I said nevermind. They called. Said one XXXX new sent pics. Setup to bring to my house. It was brought. Not new the washer. I tried to tell the driver. He turnt the washer on and rode off. He said he would talk with them but didn't. It asked them to pick up the appliances and I could get my money back. Instead insults and rude to different people that tried to help me.
Consumer complaint received 2024-12-14
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (IL)

I took out a loan for a small business a few years back- XXXX XXXX. Right before the Pandemic started, there was a downturn in the market and my business was going under. My loan was sold to a collection company, CK Prime Investments. No one informed me my loan was sold, it just showed up on my credit. 

I went to a debt repayment company, XXXX XXXX ( XXXX XXXX  ) to pay all outstanding debt from the failed business venture, including from CK Prime Investments. They have been a headache from the start. First, both XXXX XXXX and XXXX were reporting the same debt, the debt was incorrect, when the debt repayment company made an agreement with them, I was to have the account paid in full by XX/XX/2021. I paid the account IN FULL XX/XX/2021, and they have continually to falsely report an outstanding balance of almost {$5000.00}. 

I have contacted them by phone, submitted disputes through the credit agencies and they are still lying about me having an outstanding balance. Feel Free to contact the Debt Repayment Company XXXX XXXX to verify, better yet ask CK Prime Investments if they entered into an agreement with them on my behalf and what is my current balance... These collection agencies falsely reported information on our credit reports has to be against the law. It appears they are trying to get more money from us, that is not due to them.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Caliber Home Loans, Inc. (AL)

Caliber Home Loans charged my bank account {$1600.00} and I do not have an account with them. My bank ( XXXX ) is now holding the money until it is no longer pending. They would not tell me if the customer used my name also along with my bank account number, which is basically protecting a criminal or themselves for a mistake. I think they should be looked into for allowing criminal activity or negligence with large sums of money.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MA)

I received a bill from XXXX XXXX XXXX XXXX for medical procedures in the amount of {$240.00} I paid the debt on XX/XX/XXXX and have a credit statement to prove it. Apparently it had been sent to debt collectors : Transworld Systems INC prior to that. Since then I have received multiple correspondence from them trying to get me to pay the debt. 

I called XXXX XXXX XXXX to confirm my account was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX the billing department called and confirmed that my account was paid and that they would contact the debt collectors to tell them. 

On XX/XX/XXXX I received a debt collection notice for {$240.00} dated XX/XX/XXXX stating : " It has been our experience that much of the debt assigned for professional collection is resolved before it reaches this stage in the collection process. This matter, however, has not yet been resolved ''. 

I called XXXX XXXX and Transworld Systems INC to dispute the claim with no success yet. Again -- this debt is paid in full.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have not been able to access Comenity ( my BJs credit card ) since Thursday of last week. I check my credit card regularly, making sure payments are applied correctly, that there are no charges applied that I did not make, that there are no unwarranted fees, etc. However, the website has been down for a minimum of 6 days. Every time I try to access it, I get a message about scheduled maintenance. I have searched on their XXXX page for answers and to see if I am the only one having this problem and have realized that hundreds ( potentially thousands ) of people are having the same issue. At the time of this report, there were over XXXX comments with the only response from Comenity being an automated response. Shockingly, there is an indication that this issue will not be resolved prior to XX/XX/XXXX. If that is accurate, the system will have been down for over 10 days. I have automatic payments that are scheduled to be made from this account and I dont know if theyre going to be on time now. My payment for this account is due soon and I have no way of paying it. I do not want to incur any charges or have my exceptional credit rating impacted by this problem. Please help.
Consumer complaint received 2024-12-14
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. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP (WI)

I have been paying regularly my credit card balance in full for years to my Key Bank credit card. I was a customer of XXXX before they sold their NY state business to XXXX XXXX, which later was acquired or merged with Key Bank. In the last few months they started a practice where they place holds on my payments. For example, I paid this month on XX/XX/XXXX, {$1300.00} and the next day on XX/XX/XXXX, the payment went through my bank account. Key, however, has placed a hold - a transaction to reverse may payment. The same thing happened in XXXX and they didn't release the hold until XX/XX/XXXX, or more than a week after receiving the payment. 

Such emerging/new practices make planning very difficult, something that Key already specializes in, as it doesn't even let its customers set a payment day in the future. I like scheduling my payments well in advance, and Key is the only account for which I have to remember to do the payment on the XXXX, unless I want to make it early. Despite that, I have never been late with a payment and their practices are unnecessary consumer harassment. Plus, if they hold 1/3 of the balance of an account for more than a week, shouldn't they provide consumers with appropriate disclosure?
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.
Consumer complaint received 2022-06-28
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: Continental Finance Company, LLC (FL)

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST