davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 7 months 26 days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 5 months 5 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 12 years 1 month 16 days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-10
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. (TN)

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (CA)

XX/XX/2019 I have tried to apply for an apartment and was denied to a false eviction on my XXXX   report. I was never evicted, the case was dismissed but on-site continues to report it as if i was evicted. I was actually bought out of the remainder 2 years of my lease from that building and they moved me in to their other building with 6 months free rent. So this is false info, i still rent from XXXX services to this day. I have contacted XXXX and XXXX XXXX XXXX XXXX , XXXX, they have no way to dispute any info on their site or via phone or email or mail at all.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Hi, the reason i'm start a new complaint today is because i got the respond letter from TransUnion saying that The disputed item ( U.S.Bankruptcy Court ) was verified as accurate. 
I do not understand if the Fair Credit Reporting Act states that the only way a negative item can actually stay on your credit report is if it is accurate complete and verifiable. The CITY AND STATE must be listed in the court name for it to be listed accurately, and the strangest thing is in XXXXx is not a Bankruptcy reported. 
What else i have to proof them that they are in violating of my rights from the FCRA. 
Whether it's public record or not obviously they don't get this information from the court. Also they required to have first-hand knowledge which means they need to furnish the actual petition.
Consumer complaint received 2022-07-11
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: Santander Consumer USA Holdings Inc. (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXXhirty ( 30 ) days.
Consumer complaint received 2020-09-02
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. (NJ)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocky Mountain Capital Management (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acctt # Our Reference Number : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Creditor To Whom Debt Is Owed : Rocky Mountain Capital Current Creditor Account Number : XXXX  Total Balance Due : {$500.00}, has violated my righ

ts. 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 cons

umer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-23
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: Berlin-Wheeler, Inc. (Kansas) (OK)

I recently obtained my consumer credit file and discovered the below mentioned agency obtained my consumer credit report on XX/XX/2019, from XXXX XXXX & XXXX, alleging a balance owed to them in the amount of {$610.00}. Since then, the below mentioned company was given three ( 3 ) notices of claim dispute, under notary presentment, to verify their permissible purposes for intrusion, fraud, and damages my credit profile and personal character. I have not received a response. 

BERLIN WHEELER , INC. is a debt collector pursuant to 15 USC1681. I am a consumer as that term is defined in 15 USC1681 seq. BERLIN WHEELER , INC, is not a creditor, and I have not applied for, neither received any services or credit with your particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC1681n. This violation may also constitute a tort claim for identity theft.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (CA)

I went on XXXX military orders on XX/XX/XXXX and became eligible for benefits and protections under the California Military Families Financial Relief Act ( CMFFRA ). One of these protections is the deferment of principal and interest during my active-duty time plus 60 calendar days. I submitted orders to the company and was initially denied.

After requesting a second review, I was approved, but under SCRA benefits ( Federal benefits, not the State benefits I requested ). I have continued to make regular payments every month. 

On XX/XX/XXXX I spoke to XXXX ID # XXXX and requested that all payments above the required escrow payments during my deferral be applied to principal. 

On XX/XX/XXXX I received a letter that my deferment was approved through XXXX of XXXX. 

On XX/XX/XXXX I received an alert that my account was 30 days overdue and my escrow account balance had decreased without any disbursements. By CA law I am required to continue to make payments towards escrow, however XXXX had placed those payments in a separate deferred account. I attempted to call XXXX, but was on hold for longer than 30 minutes. I sent an email to XXXX XXXX at the address listed on the letter I received ( XXXX XXXX but did not receive a reply. 

On XX/XX/XXXX I received a credit alert that my fixed rate loan had been raised by {$8100.00}. I again attempted to contact XXXX, but did not receive a return call after leaving my number with their automated system. I again sent an email to XXXX XXXX, but did not receive a reply. 

On XX/XX/XXXX I noticed that my account had 8 balance adjustments and payment reversals over the last 6 weeks and my payment due was double my standard payment even though I was supposed to be receiving an interest free payment deferral through XXXX of XXXX. I again called XXXX and was on hold for over 45 minutes with no answer. I again sent an email to XXXX XXXX asking for a call back and explanation of my statement and what was happening to my payments. I did not receive a response. 

I have never seen a more incoherent misapplication of state benefits, and I believe it to be in violation of the California Military Families Financial Relief Act. I am unable to speak with anyone at the company and as I write this I have been on hold for over 40 minutes.
Consumer complaint received 2021-02-10
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: Santander Consumer USA Holdings Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (NJ)

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE/CLIENT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

I have been banking with chase bank for 10 years. I have to overdraft my account every month to make ends meet. I am on social security XXXX it cost me an extra XXXX per month to overdraft. I was just wondering if there is a way to recover some of my overdraft charges. I attached a picture of my 2020 statement.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is additional information regarding the complaint # XXXX that i submitted earlier today regarding this matter. 
Bank of America credited me with {$73.00} for a fraudulent car rental charge made in XXXX XXXX Bank of America wrongly reversed that credit and charged me the {$73.00}. Bank of America got the {$73.00} back from the dishonest car rental company on XX/XX/2020 but still refuses to give me the {$73.00}. Thus Bank of America got the {$73.00} back from the fraudulent vendor, but instead of giving the money back to me Bank of America is keeping the money for itself. 
As I mentioned in my original complaint filed earlier today, I do not have the computer skills to attach documents that I mentioned in my original complaint.
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (MD)

My name is XXXX XXXX XXXX, I filed for a loan with Prosperity Mortgage, my closing date was XX/XX/19. I was told they had the information they needed to meet closing but everyday they needed more.I talked to XXXX XXXX XXXX and XXXX XXXX the day before the closing and was told that nothing could be done with out all paperwork specified in the email. My parents gave me money for the closing and they said they needed a copy of the check and the statement showing it coming out of the account. I sent the information XX/XX/19 and they said they needed my parents 30 day transaction history ( I sent a letter to vacate on XX/XX/19 for my apartment ). My parents were not willing to give it to me. When I told him XXXX he said if I didn't get it he could not do anything because it was a federal loan and he didn't make the rules. All emails they sent said the loan was contingent on my parents statement that they would not give me. If I could not get it the loan would be denied. That being said I argued with my parents and gave them back the money. 

Now they call after I told them I gave the money back and talk about the seller suing me for being denied on the loan because they said I dropped out for personal reasons. 

LOAN ID # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (CT)

PNC Cash Rewards Visa Signature Credit Card from PNC Bank : I got an offer from PNC Bank to apply for the card. My personal reservation number was XXXX. The promotional terms were : If approved, you will earn a {$150.00} monetary credit on your statement after you have made {$1000.00} in purchases during the first " 3 billing cycles '' following account opening. 

The first billing statement I got was mid XXXX. The third billing statement was in XX/XX/2019. I made the required {$1000.00} purchases before the end of XX/XX/2019. PNC bank did NOT generate any billing statement in XX/XX/2019, either online or by mail. Now they are saying I was supposed to make the purchases within 90 days of account opening, not 3 billing cycles. This is not the offer was, where they said within 3 billing cycles the purchase of {$1000.00} needed to happen. 

I never received that {$150.00} promotional credit and I was told by their rep on XX/XX/2019 that I will not get the credit as I did not make the purchases within 90 days. Please refer to the attached screenshots for what the offer said during account opening.