davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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. (AL)

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX  and XXXX for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Consumer complaint received 2019-04-04
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts and 90 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 18 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have paid my debt with credit cards with the bank of XXXX XXXX  and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.
Consumer complaint received 2020-05-06
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-09-27
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Cornish a account within my written instructions. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US FM BUS ADMIN ODA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

This is continued follow-up and documentation re : complaint XXXX. 
American Express applied a penalty APR of 29.99 % to my Business Blue account. They claim I missed a payment in XX/XX/XXXX and thus it was applied, and they will review in 12 months. First, this is not correct. On XX/XX/XXXX, I made a XX/XX/XXXX payment of {$1500.00}, and on XX/XX/XXXX, I paid the XX/XX/XXXX bill early, making another payment of {$2800.00} on that date : this was an early payment for XXXX. The XX/XX/XXXX payment of {$500.00} was the XX/XX/XXXX payment. I was charged a penalty APR of 29.99 % for over a year because American Express was confused over an early payment. I also want to know what CFPB 's role is in helping with credit card fraud. This is the agency tasked with protecting consumers, and I intend to pursue action with a lawyer. This is how egregious conducting business with credit card companies has become : I have been a customer of theirs since XXXX ( both Business Blue and American Express Platinum ) and *never* missed a payment. In addition, according to Amex, whom is inaccurate in their response, 1 ) they charged the penalty APR of 29.99 % because I was ( according to them but incorrectly ) 6 days late with a payment ( after 20 years of no missed payments - ever ), and 2 ) they can apply the penalty APR of 29.99 % for over 12 months. According to the Credit Act of 2009, the penalty APR of 29.99 % can not be applied until after 60 days of late payment ; and 2 ) the penalty rate must be removed after 6 months. So, on all fronts, American Express is incorrect. What is the role of CFPB in helping consumers with this injustice?
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXXXX/XX/2022 at XXXX XXXX XXXX XXXX  I placed an order ( Order # XXXX ) using my Kohl 's credit card. 
Order was was updated and several items removed by Kohl 's. Order was shipped and delivered on XX/XX/2022. After reviewed of received items, I went to Kohl 's store : XXXX XXXX, XXXX, XXXX, GA on XX/XX/2022 to return all received items. 
XXXX at the store informed me that she could not return the items because my order doesn't appear in her system. She then recommended to call Kohl 's customer service to process my return. 

On the same date of XX/XX/2022, I call Kohl 's customer service toll free line and spoke to a customer service who stated : " We acknowledged your request to return the order and we will process your refund in the next 3 to 5 business days ; However, you do not have to return the items. Please give them to a charity or donation or you can keep them ''. I insisted to return the items and she said she can't take them. So I was really clear that I am not to be charge for any fees. She said that I am safe to give them away. 


A couple months later, on XX/XX/2022 I received a letter from Kohl 's asking for me to make payment of {$100.00}. Which seemed strange when I placed an order of a total of {$51.00} then later adjusted by Kohl 's on the basis that some items " Recently Sold Out ''. So my order total become {$45.00}. 

So I called Kohls customer service and I talked to XXXX ( Employee ID XXXX ) Who stated that no record of my previous discussion were enter for that order and it appears that Kohl 's systems still have me responsible to pay the {$45.00} plus {$100.00} fees. I argued that was not true and they should have record of my previous communication with initial Kohl 's agent. None was found. I then asked to speck to a supervisor : XXXX XXXX XXXX XXXX 
A reference case was established : XXXX where XXXX fully addressed the mater and stated that my account should be cleared from {$140.00} to {$0.00} balance soon. She also heard the situation and also took notes and assured me to reverse all charges. 

Now I am really surprised to see Kohl 's completely HURT my credit score to poor due to their lack of professionalism and amateurism. 

Kohl 's sent false report to Credit bureau accusing me of missing payment when it was never the case.
Consumer complaint received 2021-09-07
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. (TX)

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: OneMain Finance Corporation (CA)

I took a loan out with one main financial for XXXX and I signed up that if u lost your job u didnt have to make payments for a year and of course after 2 payments I lost my job but they still sent me to collections I'm still without a job
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION (CA)

I filed a CFPB complaint yesterday and an earlier complaint both alleging that BBVA had breached its Lender Agreement with the SBA in how it mishandled the processing of PPP loans under the Cares Act. Specifically, BBVA representatives acknowledged to me that the bank did not have the manpower to process the volume of applications but was not hiring new employees and that I had been told in one recorded phone call that I possess a copy of that BBVA was " not actually '' processing applications in the order they were received, which they outwardly claim they do. 

Miraculously, after sending this complaint to the legal department I 1. had my loan approved the very next day after last being told by a XXXX XXXX the day before that she wasn't even sure the loan had documents yet. and 2. was told that my account was being closed. The flimsy excuse BBVA used for closing my account was " harassment, '' a term which California law defines as : " Unlawful violence, like assault or battery or stalking, OR. A credible threat of violence, AND. The violence or threats seriously scare, annoy, or harass someone and there is no valid reason for it. '' The reason for my repeated phone calls, emails, and voicemails could not have been more valid. The health of my business was one the line, and other people I work with own nearly identical S-corps whose PPP loans were funded within a week or two of their application. My  application has been outstanding for nearly one month, and XXXX XXXX and XXXX XXXX told me repeatedly that they did not have any timeline whatsoever for my loan application. Of course I called repeatedly. 

The decision to suddenly close my account during this pandemic will cost my business thousands. I will need to pay an outside accountant to correspond with BBVA regarding the forgiveness of the loan, and I will need to endanger my health to go to a competing bank and open an account.

The closure of this account is clearly retaliatory and is BBVA trying to pull focus from the true crime here -- their gross negligence in how they've processed the PPP loans of hardworking small businesses. Despicable.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (KS)

I received a document from XXXX dated XX/XX/2020 in regards to a forbearance plan that was offered because of the covid-19 pandemic. My issue with this document was the fact that it also included my name and my ex husband 's name which in about a year ago I had submitted to XXXX a divorce decree and a quick to claim deed. My borrower is not worried that my ex-husband is still included on paperwork where he doesn't reside and he has no claim to my property. When I call the first time about it on XX/XX/XXXX they had transferred me and when I try to get back through I could not get through to anybody at customer service when I try by the morning of XX/XX/XXXX the gentleman I spoke to basically told me I was worried for nothing and that it wasn't important if his name was or was not on my paperwork.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (GA)

Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OK)

XX/XX/XXXX, XXXX XXXX. CST I made a payment to a merchant and they have additional security measures before they will finalize my order. One measure involves me providing a transaction number and verification number of the charge. They will not process my order until I obtain that from my card issuer, Chase. 

I called Chase card services to obtain my information concerning the transaction. I initially spoke with XXXX and was denied. I asked to escalate it to a supervisor and was connected after several minutes on hold to XXXX, credit card services. 

I was informed by both that I would not be able to get the transaction code or authorization number to my credit card charge. For security reasons, there is a different level of verification that would need to occur on the merchants side to be able to provide that information. 

My transaction will be cancelled by the merchant within one business day and I will not receive an important order. 

I feel this is an Unfair business practice, under standards of UDAAP, for the following reasons : I do not have access to use my card without it being cancelled by the merchant. 

I am sustaining monetary injury and compensable time damages based on my inability to process this order or have access to my contractual credit line through Chase. 

I can not reasonably avoid this injury as evident with the calls I made to Chase card services. 

There is no countervailing benefit for me to be denied this information as there is no risk in providing me this information on my own card account. 

When asked why it would be a problem for me to know about that information, they said it was a system limitation of Chase to provide that to me. 

I read the entirety of this complaint on the call with Chase and they confirmed all aspects of it's accuracy and affirmed their choice to prohibit me from my own account information.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX open XX/XX/XXXX I disputed the referenced account above on XX/XX/XXXX. The credit report of XX/XX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MD)

On XX/XX/2022 I paid an invoice of {$1400.00} for my clothing business using my XXXX XXXXl account PER CASH APP Upon completing the invoice the seller never sent my merchandise and told me that they would issue a refund that never came through. I decided to dispute this charge through XXXX XXXX however they told me that since the transaction was paid through cash app they were unable to look into it. As a XXXX XXXX customer I'm highly disappointed as the point of the bank is to help protect my money. I have provided XXXX XXXX receipts of my conversation with the merchant as well as receipts of payment to no avail. Cash app has also denied my claim.