davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2023-01-08
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. (CA)

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX  XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed : XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

For the past several weeks I have made repeated applications to my bank, US Bank, for the special SBA pandemic relief loan so that I can maintain my employees. We are a small XXXX XXXX XXXX  firm with six employees. We have had the same bank account for more than 30 years, for many years owned by US Bank. I am in daily contact with my local US branch banker, who is trying to help. The bank says they have received each of my applications, but keep asking me to reapply because they are either having a problem responding or believe they have responded but can not find the messages and application numbers they say they have sent us by e-mail. We have continually searched in all e-mail folders and have checked with our e-mail host, but none of the loan-related e-mails or contacts from US Bank have ever arrived, even at our e-mail host prior to all filters. Meanwhile, we continue to receive all other e-mail from US Bank about our account and from our US Bank contacts who are corresponding with us trying to get access to the central US Bank application process. The US Bank delays made us miss the first round of SBA funding. They are continuing to delay our application and although they say they have received each of our applications, they say they can not find record numbers or messages they have sent with next steps, and then ask us to reapply again and again. We fear we will miss the funding again. Meanwhile we are struggling to meet payroll and spending a lot of time communicating with US Bank and applying and reapplying through a cumbersome process multiple times. Is it possible for your office to see if US Bank is treating small businesses fairly and help make sure that small XXXX XXXX businesses receive the same opportunities as larger firms? Any help your agency can give us to help get US bank organized and working effectively will be much appreciated during this difficult time. Thank you.
Consumer complaint received 2023-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

This lender has failed to give consumer valid and proper opt out notice,16 CFR 313.7 Form of opt out notice to consumer ; opt out methods notice to report my non public personal information is being screened by unauthorized third party including sensitive information in regards to my place of dwelling like my residence number.actions by this company has directly violated the Gramm-Leech Bliley Act I have not agree to sharing with any third party this company has falsely misled the consumer/student into believing this was an agreement and under contract law to have an promissory note that was signed by me not properly used and XXXX include complaints to the XXXX XXXX XXXX All notices to consumers when sharing their personal information are prohibited when working without the person in whom it relates. Unauthorized use of identity is aggravated identity theft and maybe reported to the Federal Trade Commission. This company has also failed to provide original instrument of indebtedness in its original form promissory note in which was provided for the borrower, consumer behalf.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1. THD/CBNA acct. # XXXX bal. {$5500.00}
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (MI)

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, Experian and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Consumer complaint received 2019-07-01
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. (CT)

i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of  my accounts on XXXX for a car loan.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc. (TX)

I would like to report unfair billing practices and reporting with intention to discredit an individual by constantly reporting negative information to credit bureaus information that is not current. I am being doubled billed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TX ph # XXXX ) as well as Merchants Professional Collection Bureau , Inc ( XXXX XXXX XXXX XXXX, TX XXXX ph # XXXX ) for the same bills. I am being coerced by the two to pay both of them. I have been making payments on old accounts to both parties. I have a current payment plan with XXXX XXXX XXXX for which i have been paying on time scheduled payments as well as paying the other company as well. XXXX XXXX XXXX consolidated the old accounts and brought to current by me paying underneath one account for these old accounts to them, plus Merchants and Professionals collection agency is continuing to bill me as well as XXXX. Merchants and Professionals is constantly reporting to national credit bureaus negative on accounts that i have a current payment plan and is satisfactory paying with on time payments to the original company ( XXXX ) Both companies are getting money from me for the same bills. I am paying Merchants and Professionals as well outside of XXXX XXXX XXXX. Neither is reporting to each other. After speaking with XXXX XX/XX/2020, representative with Merchants and Professionals, XXXX states that they will continue to report negative to credit bureaus even though she is aware of my current payment plan for these old accounts and is currently paying XXXX XXXX XXXX for them. Please help me as i am not able to keep paying both. Merchants and Professionals is using reporting to credit bureaus as a method to coerce me to pay them too when i am paying XXXX XXXX clinic for what they are harassing me for.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened an account online during covid as a XXXX person. I attempted many many times to close my account online and with the assistance of many folks at the consumer line to no avail. I explained I can not go to a branch and that is why I opted for an online account and should be able to close the account in the same manner in which I opened the account- it is not reasonable to not be offered that option. Today I received another harassing phone call from the local branch threatening to report me to the credit reporting agency as the account has been dormant and they are charging me a XXXX fee each month. I was only able to reduce my balance to under XXXX online and not to close it. I asked it be escalated as a consumer complaint to management. A XXXX, XXXX XXXX, came on the phone and told me he was not permitted and did not have the ability to escalate this to headquarters. I told him this is a regulatory violation, including UDAAP and FCRA. I had him repeat on 6 occasions that he had no ability to escalate. I asked him who his prudential regulator was and he did not know. I asked twice. I asked if he was aware of what UDAAP or FCRA was and he did not know. I asked if he had any regulatory training and he had not. Additionally, I received no notice of the fees in writing ; perhaps online but as far as I was concerned, I cancelled my account as best I could by removing all my funds I was allowed as they did not have the means to appropriately close my account without contact. If they are suggesting the online is not good enough to close my account, why are they billing me for unfair fees through that process without notice? I just want my account closed and the ridiculous fees waived and the harassments to cease. Closing an account opened online, online is a reasonable assumption a reasonable consumer should receive.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-08
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. (MS)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NV)

For the past 2 years I have been trying to get this problem resolved. There are two accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the two places. 

XXXX XXXX and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since XX/XX/2013I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

Website no longer shows promotional balance total or each promotional purchase balance expiration dates leaving consumers are risk of paying thousands in deferred interest simply because these terms are hidden on the website. I've complained for two months about this with no resolution.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I had a loan that was being serviced by XXXX XXXX. In XX/XX/XXXX they paid XXXX XXXX out of my escrow account {$4400.00}. I secured a new policy with XXXX XXXX in XX/XX/XXXX for {$3700.00}. Since XXXX had paid XXXX, I paid XXXX XXXX Directly and cancelled the XXXX policy who sent the refund to me. I kept the refund from XXXX because I paid XXXX XXXX and knew that it would all balance in the end. XXXX was listed as the Mortgage company on the XXXX XXXX Policy so I assumed that XXXX XXXX sent XXXX a copy. When the XXXX XXXX policy renewed XX/XX/XXXX XXXX XXXX was paid again by drafting my Checking account. 
But XXXX placed force coverage with XXXX XXXX XXXX XXXX from XX/XX/XXXX until they sent the request for the coverage to be cancelled XX/XX/XXXX. We became aware of this when I received a letter from Shellpoint that they have placed force coverage on my home. I called Shellpoint and asked why did not XXXX send over the XXXX XXXX policy when the loan was transferred. They said they did not know but if I have insurance, they will remove the forced place insurance when I send the proof. Which I did XX/XX/XXXX. Then I asked my wife do we have any mail from XXXX she handed me the letters from XXXX requesting the cancellation of lender-placed insurance to XXXX XXXX XXXX. I tried to call XXXX and got a message that said that they are no-longer accepting phone calls since they have sold all their assets. I then called XXXX XXXX XXXX XXXX and after speaking with them I forward all the proof of home coverage to them. They said that they would resend the coverage and send they refund to XXXX. I asked why you would do that ; if they are closed and transferred my loan to Shellpoint Mortgage. They basically said that who placed the insurance and that is who the refund would go to. I called Shellpoint again about this and was told that I had to take it up with XXXX. I tried to explain to them that the letter said they would be able to answer all my questions after XX/XX/XXXX. I have attached a copy of that letter for your records. I am concerned because we are talking about {$3300.00} refund that should go back to my escrow account since it was paid out of my escrow account. I have attached a copy of the last statement from XXXX that shows the escrow account was for taxes and insurance and that they were paying the lender-place coverage each month in the amount of {$330.00}. ( I am attaching a copy of the XX/XX/XXXX statement ). I believe that someone needs to make me whole again.
Consumer complaint received 2022-07-14
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. (IL)

XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX XXXX XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor XXXX, XXXX, or Experian consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (DC)

On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.
Consumer complaint received 2020-04-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.
Consumer complaint received 2022-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX is reporting unauthorized hard inquires on my credit report that I do not recognize. 
CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX