davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/ with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit File : XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A company called XXXX XXXX XXXX has been charging my account for 7 months in the amount of {$36.00} totaling {$250.00} I have submitted this to the fraud dept of bank of america, but as this company sent back a response with nothing more than my info that they had on file to charge me, bank of america is denying claim. I have escalated this claim and no response as of yet. 
Also and email attempts and or phone call attempts go unanswered when I try to contact this company. 
I don't know this company, have never given them my info, and it has been obtained thru fraud that any charges ever went through to this company. They havs my wrong address and wrong phone # that I have had for over 2 years and the address they listed was from about 10 years ago. 
XXXX is the # they have listed, when you call it automatically hangs up. 
XXXX goes unanswered.
Consumer complaint received 2021-12-09
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. (IL)

Hi Transunion has a 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 710. transunion has me at a score around 592. 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX of XXXX XXXX XXXX XXXX  which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, XXXX and Experian that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc. (CO)

I financed a tv a wall mount and a XXXX XXXX all in one touch screen desktop thru conns I paid an additional XXXX to XXXX dollars for property insurance 4 days after the initial 1 year warranty the desktop began to malfunction I disputed with conns for more than I should have had to get issues resolved but gained no resolution then I had to go out of state for work when I got back on XX/XX/XXXX I found my house broke into my renter insurance advised me that they would not cover the items from conns as I had insurance through them so I began that process with conns it took them over three months to even start on the matter they wanted me to fill out adjuster paper work despite not being an adjuster they advised me in XXXX ( XXXX XXXX to not make payments on acct and they would not be reflected on my credit then the began making negative reports against my credit then their mitigation department started to call and email daily demanding a payment for XXXX for the wall mount of which I only had half as the other half was attached to the tv that was stolen then they reviewed the acct I got a call from the company customer relations department and was advised that the original finance amount was XXXX and to date I had paid XXXX of that on XXXX XXXX they got a check from life of the south the insurance company ( the insurance company on my original purchase is XX/XX/XXXX ) # XXXX for the amount of XXXX and that conns told me they would send me a check for XXXX for the products which doesnt cover anything not replacement not reimbursement nothing then I got an email stating that on XX/XX/20 they mail a check for XXXX which again does not even come close to covering the XXXX I paid for these products that 0werte faulty to begin with its like I am being robbed all over again and I am still out a tv a wall mount and a very expensive desktop insurance papers says that they pay to conns and conns is supposed to either replace the items or give you money back I do not want to replace the items thru conns I dont ever want to use conns again but I do want my money back I called a lawyer they said that I have a case but conns typically likes to drag things out for years and years and often for so long that people drop the case as they can no longer afford the cost of continuing with their legal pursuit. They reported negatively on my credit and are robbing me of the money paid out
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Every month in 2020 select portfolio servicing has shown my mortgage payment 30 days past due. This is not correct, every month in 2020 I paid my mortgage. XXXX - XX/XX/2020 my payment was XXXX but them changed to a higher payment of XXXX for the rest of the year and from XXXX - XXXX I paid the higher payment each and every month. I have tried to get them to change this and they will not. This is really affecting my credit report. We have tried to refinance with another mortgage company but because of the false reporting on our credit report, no company will work with us.
Consumer complaint received 2022-07-28
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: Stellantis Financial Services US Corp. (FL)

In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through 15 different banks. 

Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (FL)

I recently came back from an XXXX  travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my XXXX XXXX credit bureau however no changes have been made.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX Credit Report.
Consumer complaint received 2021-06-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (MI)

Check into cash has quite obviously committed violations, using deceptive methods, and ultimately violating my rights as a federally protected consumer under the fair debt collection practices act ( 15 USC 1692 ). They have called and text me many times and sent me an email on XX/XX/2021. They stated that I owe them debt in the amount of {$4500.00} which is a violation in accordance to 15 USC 1692b ( 2 ). They also contact me at unusual and inconvenient times which violates 15 USC 1692c ( a ) ( 1 ). In addition to this, they are guilty of attempting to coerce payment, threatening me, and leaving voicemails that do not disclose who they are, which violated 15 USC 1692d ( 1 ), 15 USC 1692d ( 4 ), and 15 USC 1692d ( 6 ). I notified this company in writing with a cease and desist and affidavit of truth stating that I refuse to pay the alleged debt theyre accusing me of owing and the violations they have committed against me. Those items, along with an invoice for each violation which totaled up to {$9000.00}, were sent on XXXX XXXX and were received on XXXX XXXX. I also filed a cfbp complaint on the XXXX and attached all the documents that I mailed to them. They responded to the complaint on the cfbp website XX/XX/2021 stating that they disagree when they are obviously guilty of these violations and according to 15 USC 1692k ( A ) each violation makes the company liable to compensate the consumer with {$1000.00} for each violation. Also, since I have sent the cease and desist which means all communication in relation to debt collection must cease, they have still contacted me which is another violation as well. I have contacted the attorney general and will go even farther if needed.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I highly dispute being falsely accused of committing a speed violation law in the District of Columbia on XX/XX/2020 by XXXX/XXXX. I am infuriated and perplexed by Capital One N.A. Bank 's inability to proactively intervene to prevent fraud activity such as this merchant to still frivolously process an unauthorized charge to my account in the amount of {$130.00} mid-night of XX/XX/2020. 

As per the instructions, I wrote to dispute this wrongfully violation charge. This notice of violation is not hereby constitutes I was found speeding. I suggest this violation be removed and I reclaim my name after all I did not commit a speeding violation. Clearly this is a mistake. This suggestion comes out of respect for tax payers, and my request that their hard earned money not be wasted in such proceedings. As there is no evidence of my involvement with this alleged violation, as well as the fact that I am not granted my 6th amendment right to face my 'accuser ' ; I see no way the government could prove my guilt beyond a reasonable doubt. I also find no legal requirement for me to implicate someone else in this process, as it is the government 's responsibility to prove a person 's guilt. It is also my 5th amendment right to remain silent on the matter. 
If it is the government 's decision to move forward in this matter, I would request copies of any evidence the prosecution may have of my involvement in the " offense '' ; as well as, all alleged maintenance records for the allege camera ( s ) violation involved.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I close this account back in XXXX and paid it off in full and the credit card company is still reporting it as 30 days on my credit report. All three of my reports show different dates on one its showing 30 days late with a XXXX   balance three months after it was closed. I've had numerous problems in the past with this company processing my payments 11 days after I had mailed it in before the due date. Which I've had to call them on twice to get the XXXX dollars late fee removed. Now I've disputed this twice and one was removed only for them to put it right back but on a different month after the account was closed.
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: Experian Information Solutions Inc. (MO)

In Account with the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX XXXX and Experian has, violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have a right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions. 

Have not provided me a copy of ANY original Documentation ( a consumer contract with my Signature on it ) as required under Section 609 [ a ] [ 1 ] [ A ] & section 611 [ a ] [ 1 ] [ A ]. furthermore, they failed to provide the method of Verification as required under Section 611 [ a ] [ 7 ].

Section 611 [ 5 ] [ A ] of the FCRA they are required by law. Need ALL INFORMATION Promptly DELETE WHICH CAN NOT BE VERIFIED.
Consumer complaint received 2020-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

On XXXX the XXXX my mortgage loan was paid off in full to homebridge financial services and I was to receive a escrow refund check from the mortgage company homebridge financial services. The escrow check that I was to receive in thirty days never received the check at my address.I have made several phone calls to the mortgage about this issue but have not made any head way into resolving this issue with them. They assured me that they would stop payment on the first check that I never received. And they assure me that they would send out another check that they said should reach me within five business days which as of this date has not been delivered to my address.
Consumer complaint received 2023-08-24
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MA)

In XXXX  I applied to the XXXX XXXX XXXX for XXXX XXXX when I signed up I was never given the option for different loans. I was misled as to what I would be paying back. I paid for six years on this loan not realizing that I was paying on just the principle or the interest Im not sure they never informed me that I had other options to re-pay this loan the school closed and I never even got my degree. I have been fighting Navient. Its been on my credit report for over 15 years they will not take it off. I keep fighting I refuse to pay for an education where I was lied to, and didnt complete my education. I need help fighting to have this removed from my credit report. The original loan was XXXX. Its now XXXX I paid and payed and paid and it went from XXXX to XXXX and thats when I found out I wasnt even paying on the loan I was misled by the school, the advisor in the financial company.
Consumer complaint received 2020-07-07
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)

My account with capital one was closed in XXXX of 2020 by capital one with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when CAPITAL ONE has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with capital one. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Closed : XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} Chargeoff : XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Company is illegally holding my funds. I wrote a check to myself and Capitol One is claiming its fraud. How do I commit fraud to one self? I asked for copies of documentation of this so called fraud and yet to receive the physical copies. To whom is the fraud against? I wrote a check to myself to myself? If this was fraud why did it take Capital One 6 years to act on it? If I didn't come in to say I had no access this account could of been frozen for decades. If it was fraud, why did neither bank contact me? If this is fraud I would like a copy of this fraud request from XXXX on paper to see how Capital One came to this decision. XXXX is claiming of no such request. Capital One claims the reason they have a hold on the account for 6 years is due to the fact XXXX hasn't sent a HHA letter, XXXX has no request of one from Capital One plus if it was fraud XXXX would of requested the funds back immediately. How can Capital One claim the account is abandoned? It's been active, I have been attempting to access to my account so how is it abandoned!?! What legal basis does Capital One on holding my funds? I went through bank reps, managers 3 in this same dept all claim they can't see why my account is on hold. One of which said Capital One is doing me a grave injustice. I want to see this evidence of this request or the release of my funds. This was the original complaint, Capital One didn't answer any of these questions just wrote a letter they are holding it due to an HHA. I was aware of that. I want to see the physical legal proof.