davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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)

This issue is a current investigation. Complaint # XXXX. There are several inaccuracies listed on my credit report and my consumer rights are being violated under the Fair Credit Reporting Act ( F.C.R.A. ), F.D.C.P.A., and my character is being defamed.

These accounts were not validated. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. 

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.

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.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Navy Federal for withholding my funds since XX/XX/XXXX, despite my compliance with all bank protocols and rules. I opened my Navy Federal account in XX/XX/XXXX and have always been in good standing with my account. I have multiple businesses, including clothing brand established in XXXX in XXXX, Florida. 

On XX/XX/XXXX, i was at a public event as a vendor doing a pop up shop, a customer made a transaction for {$9200.00} for a large order of hats from my business purchasing bulk order at wholesale price. Customer received the goods from me i took information from him and deal was done. Following the transaction, I was later contacted by the Navy Federal fraud security department days after the transaction, requesting verification of the name of the individual who made the payment. 

I informed the representative that I was not available to verify the name at that moment, as I was out of my office. I requested a call-back number, but the representative was rude and disrespectful towards me. Before I knew it, my account was restricted ( Business & Personal ), and it has remained that way since that day. Despite submitting two security appeal forms with that name she requested, the restriction on my account has not been lifted. Prior to the submitting the appeal form I called back and gave the name info to the Navy Federal fraud department. 

Due to the restriction on my account, I have been unable to access my funds, and I have been unable to close the account. I have received mail from Navy Federal every month since 2019 about the interest on the money in my account. However, I am unable to withdraw funds or make new transactions, which has negatively impacted my business operations. The restriction has also caused me to go into negative balance with my checking account, resulting in overdraft fees. 

When I've visited the Navy Federal branch in XXXX Fl several times about this matter, I was treated poorly and given the run-around. The staff acted as if I had done something wrong, despite my compliance with all bank protocols and rules. No one has explained to me why the account can not be closed or why the restriction can not be lifted. 

I believe that Navy Federal 's actions are unjustified and unfair. I am filing a complaint with the CFPB to seek resolution to this issue and request that the restriction on my account be lifted immediately. I would also like my funds from this account and for the account to be closed. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2020-12-06
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: TRUIST FINANCIAL CORPORATION (FL)

XXXX  gives this advice as steps everyone can take to help improve their credit score. Bring any past due accounts current. Pay off any collections, charge-offs, or public record items such as tax liens and judgments. Reduce balances on revolving accounts. Apply for credit only when necessary. 
I followed this advice when I paid the entire account. Sheffield Financial Corp who wrongly charged me with two late payments XX/XX/2015 & XX/XX/2015. You will notice from the attached documents that this is an inaccuracy Sheffield Financial Corp has to fix.
Consumer complaint received 2022-06-10
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. (MD)

In accordance with the Fair Credit Reporting and XXXX  Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct XXXX 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-06
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. (DE)

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX  data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am receiving repeated phone calls about this debt. They are spoofing numbers and calling repeatedly.I have no idea what this is or why they are collecting. Never received any notification about this and now it's on my credit report.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This company owes me {$28.00} ; they paid me {$370.00} -- -it should be {$400.00}! They sent this card over a month late! I had to cram 100 transactions with less than 30 days -- -so they blame me for being off by one day! If this company really cared about customer service, then they would issue me a courtesy credit of {$28.00} to my checking account! Here was the offer below : Get {$300.00} when you open a new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Then, earn up to an additional {$100.00} when you use your newly issued debit card to make purchases. Earn {$2.00} for every qualified transaction within 60 days of opening your account.
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (AL)

Im filing this complaint against experian XXXX XXXX and XX/XX/XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints.
Consumer complaint received 2022-09-20
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. (MT)

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

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-24
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/XXXX I disputed XXXX XXXX XXXX and it came back as verified. I would like to know how this information was verified.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I contacted Chime for assistance in moving money from XXXX XXXX to my Chime account. Unbeknownst to me when I XXXX Chime customer service, I was directed to a spoof phone number that originated in XXXX. I assumed I was speaking to a Chime agent. He was, however knowledgeable in the steps required to accomplish this task. I was successful in moving money from XXXXXXXX XXXX to Chime. He then instructed me to send XXXX to his supervisor as 'a test ' and assured me it would not really take money from my account. It did. I was the victim of a scam on an XXXX man. I filed a dispute with Chime the same day. They have denied my dispute twice, stating that 'no error was made '. I never said they made an error. I said I was scammed. I'm getting no satisfaction from Chime
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I have question ( s ) about my current mortgage and fee ( s ) that appear on my statement ( s ) that were not present in the original mortgage. First is concerning a HOA/Inspection fee. My address has never been included in an HOA and I am unaware of what these fees ( {$15.00} + {$1.00} ) actually represent.

In addition, the mortgage was permanently modified by XXXX in XXXX, as such ... any changes in my mortgage should have been made available to me at the time the mortgage changed hands from XXXX  XXXX XXXX to Rushmore servicing. The final statement from the previous servicer/lender ( XXXX  XXXX XXXX ) dated XX/XX/XXXX reflects the actual regular mortgage amount of {$480.00} cents. The initial welcome letter from XXXX shows that regular mortgage payment pegged at {$540.00} dated XX/XX/XXXX ... a {$65.00} monthly overcharge that Rushmore Loan Management had a duty to know was happening after I mentioned it to XXXX XXXX, Asset Resolution Specialist who was assigned to my mortgage at that time. I notified XXXX XXXX during the initial transfer from XXXX XXXX XXXX to Rushmore Loan Management Services. 

XXXX XXXX Asset Resolution Specialist, NMLS : XXXX Rushmore Loan Management Services LLC XXXX direct | XXXX fax | XXXX toll-free | fax machine Finally, there is the matter of the escrow account balance. I have included ( attached documents ) of the Escrow Statements that reflect overpayments in XXXX and XXXX of over {$680.00} and {$630.00} respectively. As this is an open Chapter XXXX I did not know if those amounts could be either refunded to me ( or to the trustee ) as the statement suggests, or could be deducted from the principal balance of the overall mortgage. As of today, XX/XX/XXXX ... those funds have not been made available. My question : Since my taxes and escrow were under {$2000.00} combined, Under the Real Estate Settlement Procedures Act Rushmore is allowed a " cushion '' of withholding about {$330.00} ... They ( Rushmore LMS have withheld double tthe 1/16th cushion allowed by RESPA. 


Thank you.
Consumer complaint received 2023-05-17
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. (KY)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet there are accounts still passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. I will take legal actions regarding my aims. The following accounts needs to be removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

i was was abused and taken advantage of according to 15 usc 1692 sub section 802 : i have disputed transactions on my account which were fraud. i did not contract with XXXX  or the other accounts listed in the attachment, and the transactions were fraudulent. they were not valid and the company has agreed to the reversal and did not which i have now done with the bank, the bank claimed to complete a valid attempt to verify the fraud. the funds were retracted and i was violated by them closing other accounts other than the account the funds were removed from. this has caused my home to be placed in collections and many other constraints. an FTC has now been created and a full pursuit of Restitution and remedy are in pursuit. Navy federal has continued to make harassing calls after being request to Cease and Desist. 

Violation : 15 USC 1692 c Several efforts were made to state the fraud. and show proof. i did not authorize the transactions period. 

XXXX  : XXXX 15 U.S. Code 1602 According to congressional finding in the Fair Credit, as a consumer this has caused my family strain, there are violation 's that were committed against me which will be pursued as My accounts are continuing to incur charges due to their maleficence.

among many : _ closing the account and adverse action 15 U.S. Code 1681m - Requirements on users of consumer reports ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general ( C ) Information described reputation, personal characteristics, or mode of living of the consumer ; and
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-24
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (IL)

We went to get a car and after running my credit i noticed they ran my credit XXXX times and spouses credit XXXX times and we did not authorize that and ended up only putting the loan on my name. also after signing everything i found out they ran the car through service before giving me the car and we ended up taking the car back because it wasn't XXXX XXXX  XXXX and they been aware before releasing the vehicle. They threatened that if i didnt bring the car back as soon as i called i was stuck with a XXXX XXXX XXXXnd they wont take it back. So i also asked if they participate in Truth In Lending Act ( Law 15 U.S.C. 1601-1667f, ) and they said they did and all dealers do but committed fraud and charged me {$2700.00} cash on top of the high interest loan they sold
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (CT)

FIRST SOURCE ADVANTAGE LLC IS A DEBT COLLECTOR UNDER THE JURISDICTION OF THE FDCPA. FIRST SOURCE HAS GATHERED MY PERSONAL IDENTIFYING INFORMATION LIKE NAME, ADDRESS, SOCIAL SECURITY AND BANKING INFORMATION WITHOUT AUTHORIZED USE. FIRST SOURCE HAS ENTERED INTO A FOWARD FLOW AGREEMENT WITH XXXX  XXXXAND HAS ATTEMPTED TO COERCE PAYMENT FROM ME ON AN ALLEGED DEBT THROUGH OBSCENE MATTERS BY AN EXTORTIONATE EXTENSION OF CREDIT. FIRST SOURCE WAS DEMANDED UNDER 15 USC 1692g TO VALIDATE THE ALLEGED DEBT AND HAS FAILED TO DO SO AND HAS EVEN RETURNED THE PURCHASED ACCOUNT BACK TO XXXX  XXXX. FIRST SOURCE HAS COMMITTED VIOLATIONS UNDER THE FDCPA AND HAS CAUSED MY FINANCIAL DISTRESS, XXXX, XXXX XXXX AND XXXX. I FEEL UNSAFE KNOWING FIRST SOURCE HAS GATHERED MY INFORMATION WITHOUT MY CONSENT COMITTING IDENTITY THEFT AGAISNT MY RIGHT TO PRIVACY UNDER THE PRIVACY ACT OF 1974 ALSO VIOLATING 18 USC 1028A AND HAS ATTEMPTED TO CEORCE PAYMENT FROM ME IN COMMERCE ON A UNVALIDATED UNLAWFUL DEBT. MULTIPLE ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH BETWEEN I AND FIRST SOURCE TO WHICH THEY WILLFULLY DISHONORED. I AM TIRED OF DEALING WITH THIS MATTER AND AM SEEKING FOR A SOLUTION.