davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (TN)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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 information is inaccurate.
Consumer complaint received 2023-06-16
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: PNC Bank N.A. (AL)

I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance Corporation AGREED to close account # XXXX. Payment was made on XX/XX/22 via Debit CARD. It has posted on their Ledger and Debited and posted from Bank Account -- -- The account should show AS PAID and CLOSED and they have NOT done so Credit Acceptance Compliance is now AVOIDING MY CALLs. They have NOT met their obligation to reflect account as PAID and CLOSED following several conversations with the Compliance Analyst, XXXX XXXX This account has been PAID and SHOULD REFLECT CLOSED on my CREDIT FILES but it is not As they promised, I NEED A LETTER FROM XXXX XXXX stating that the account has been PAID AND CLOSED ..... 

This company is VOILATING THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America has allowed fraudulent account to be opened in my name I have contacted and called them but no help this account was opened on XX/XX/2016 it is reporting unauthorized and i am seeking litigation they have no proof of who the account actually belongs too. So i feel ignored of my rights to have it removed included I have my FTC report will be contacting the bureaus
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (NY)

The vehicle was promised to put payments on the back of the loan ... when I went to sign the file documents they added more fees after car had broken down six times and couldn't afford to pay their astronomical fees added which were not agreed.. I was taken advantage of and this is robbery ... the car was also stolen ... and repossessed ... I lost my job as a result and thrown out of my home and cr dit ruined ... this is a misjustice ...
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: EQUIFAX, INC. (CA)

I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I CAN NOT get my credit report from Transunion CRA. This is an ongoing problem with Transunion. I contacted CFPB the 1st time in XXXX, then XXXX XXXX. XXXX, XXXX, now today XXXX - it just doesn't stop! You fixed it, however, Transunion CRA is doing the same thing again and again and again! They are doing this deliberately and by design. If you want, your employee/s can come to my home and I will prove it in front of them. OR, I will come to your office on your PC and prove it to you. Transunion CRA WILL NOT COOPERATE AND MAKE IT EASY FOR A CITIZEN TO GET THEIR FREE ANNUAL CREDIT REPORT. No one or no agency is making them do this so they are laughing at you and me, XXXX XXXX XXXX and NOT cooperating. 

Transunion must be forced to follow the law or be PUNISHED to the maximum penalty amount for NOT following the law! Hit them in the pocket book and they may listen! 

I have no problem or complaint with XXXX  or XXXX XXXX XXXX. Let 's work as a team to nail Transunion CRA and make an example of them! Let 's stop their nonsense AND make them pay money. Keep hitting them with violation after violation until they learn.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (MI)

On or around XX/XX/2022 I received a overdraft notice from Netspend. I logged into my account to see that there had been several unauthorized ATM transactions by a worker/contractor who I had in my home doing work. I filed a police report and contacted the issuer of my Debit card ( NetSpend XXXX ) and I was told I had 0 liability due to the Mastercard branded card. Thye said they had to " investigate '' the incident and would get back to me. Now they are claiming " No Error '' occurred. Im still out the {$370.00} plus fee 's and loss time and use of my money.
Consumer complaint received 2022-07-30
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)

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

On XX/XX/2020, I sent Equifax a dispute letter re : FDCPA Section 807 Violation Misleading False Reporting from Republic. This alleged debt remains on my credit report. without being verified. I am unable to locate Republic 's contact information as it is not anywhere on my credit report and this is a violation of 615 - 15 U.S.C. 1681m. Therefore, I have no way of contacting them to request debt validation. Apparently this account belongs to someone else Please help me with getting this alleged debt from my credit report.
Consumer complaint received 2021-06-10
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

DISCOVERBANK XXXX XXXX XXXX XXXX DISCOVERBANK XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXX Amount XXXX} This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account immediately
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I paid my mortgage in the amount of {$1000.00} on XX/XX/19. The payment shoyld have applied and posted on XX/XX/19. My statement, online system, and phone system all state the payment posted on XX/XX/19. I called SPS Servicing on XX/XX/19 to complain and phone reps assure me verbally that payment properly posted on XX/XX/19. I do not believe them because SPS Servicing is a 3rd party payment processing company that I have no written agreement with and I do not trust them. I want to end my relationship with SPS Servicing and go back to XXXX.
Consumer complaint received 2021-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Mr. Cooper has been paying our neighbors taxes for 2 years now and in turn our mortgage payment has gone up over {$800.00} due to insufficient funds from their error. We have called multiple times over the past few months, and was assured this issue would be taken care of. They acknowledged their error and here we are in 2021 with yet again another mortgage payment increase due to them paying our neighbors taxes again. This company has extremely poor customer service. We just tried calling again and was hung up on by the woman answering the phone after waiting on the line for 20+ minutes.
Consumer complaint received 2021-02-17
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: Bridgecrest Acceptance Corporation (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 2022-10-18
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. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-10-12
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. (TX)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IN)

I usually pay Navient a monthly payment of {$650.00}. I have not had a check returned for insufficient funds or been late with a payment. 
My payment is due by the XX/XX/XXXX of every month. 
I mailed my XXXX payment of {$650.00} on or about XX/XX/2021. 
Upon checking my bank account around XX/XX/XXXX, I noticed a DOUBLE withdrawal of {$650.00} ( an admitted error by Navient ). 
I called the bank and placed a stop payment on that check # XXXX ONLY Arc # XXXX. 

I thought check # XXXX would clear as payment, but it never did. 
Therefore, my account was considered delinquent. 

Ok. On or about XX/XX/2021, I began receiving phone calls at XXXX requesting the XXXX payment. I said I would mail it the next day. The rep said she would " note it '' on my account. 
It ( a check for {$1300.00} XXXX was maled on XX/XX/2021, which would cover the XXXX " delinquent '' payment and the next due XXXX payment. 

The following week, I received at least two evening calls and a call on XX/XX/XXXX and XX/XX/XXXX from Navient again demanding payment! 
I explained again that I had already mailed the payment ... it was implied I had not! 

On Tuesday, XX/XX/XXXX, I received another call. Since I had received my check back, I went ahead and paid {$1300.00} from my debit card as a ONE TIME payment. The confirmation # is XXXX. 

Using a debit card is NOT a payment practice I choose to continue. I have always paid by check and wish to continue, and I should have every right to. 

On Saturday, XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX telling me my account was INVALID that I must go to the bank and obtain a letter stating my account was not invalid. 
The account was and is not invalid. My check for {$1300.00} was also enclosed with the letter to me stamped VOID with no explanation as to why. 

The XX/XX/XXXX date PROVES my check had been received, prior to the harassing calls I received thereafter, but the payment had been rejected, and I was harassed instead of being informed. 

I went to the bank this morning, and was told the bank does NOT call or write letters as proof of account validity. My account IS VALID. 

When I returned home, I called Navient. I spoke to rep " XXXX '' and her supervisor, " XXXX '', who were both rude. 

PROBLEM : I was not given a reason for the declaration of INVALIDITY on my checking account. I deserve an explanation. XXXX refused to correct the situation. My checking account is NOT invalid!!!!! XXXX said the declaration by Navient IS the reason and I deserve no further explanation. 

The double charge was originally a Navient mistake. Now it seems I am being continually punished for protecting my interest and not wanting or needing to pay double in XXXX. 

The account is up-to-date. My account should be reinstated and my check accepted for future payments.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was in a Bank of America, XXXX XXXX XXXX XXXX, XXXX ga, XXXX on XX/XX/22 I have a business acct, XXXX XXXX XXXX I came in for to have an agreement notarize between myself and a contractor I provide services for Notary public, XXXX XXXX modified the document ; this document is a pay agreement - XXXX XXXX used her pen to cross out a date and county that was a header on the contractors agreement the notary modifying a 3rd party document is illegal and has cost my company XXXX usd at the moment
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I took a mortgage in XX/XX/XXXX with a bank. In around 2 months they sold my account to Loancare Service Company ( XXXX XXXX XXXX XXXX ), and everything was ok up until my property taxes for XX/XX/XXXX were not paid on time. I called loancare in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX this year,XX/XX/XXXX and all they told me is they will take care of it, they are waiting for the county tax office to send or give them the bill. I pleaded with my lender, loancare to just please pay my property taxes, they did not. In the meantime, the county office were adding late fees and interest and sent my bill to collection agency. I kept calling loancare and sent the letter from the attorneys office about not paying property taxes possibly foreclose on my house. Finally loancare paid the property taxes in XX/XX/XXXX the whole amount including late fees and penalties, now loancare is saying am responsible for paying the late fees and penalties. Loan care is refusing to take responsibility of the late fees and penalties added to my property taxes. I think and believe that am not responsible for paying late fees because I have an escrow account on my mortgage and have been notifying loan care since XX/XX/XXXX to pay for property taxes. My mortgage went form {$1700.00} to $ XXXX/month.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE XXXX begging you to investigate what is happening on my credit report. XXXX listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX XXXX : {$260.00} 2. XXXX XXXXXXXX Account Number : XXXX XXXX : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 5. XXXX XXXX  XXXX Account Number : XXXX Bal : {$1800.00} 6. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 7. XXXX Account Number : XXXX Bal : {$390.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.