davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following items in my file immediately. 
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 DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I received a bad check from someone and he asked me to send some amount of money from this check to someone else regarding freelancing work. I deposited the check. On XX/XX/XXXX, Wells Fargo told me to not use the money till XX/XX/XXXX because they are checking the check. 
On XX/XX/XXXX, the amount of the check was fully deposited to my account without any alert, email, or message from Wells Fargo. I sent the {$2800.00} to someone else as the scammer told me, and I was confident because I had the full amount of money deposited to my account.After XXXX hours, Wells Fargo retook the check money saying that it's a bad check!! 
I called them on that day, and they forwarded me to the Client Escalating employee. She told me, after a 40 minutes call, that Wells Fargo will give me the amount of the check back within XXXX business days. Nothing happened after 7 days, so I recalled them. A new Client Escalating employee answered, saying that we will not do anything for you and he hung out without listening to me.
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with a Fair credit reporting act [ KOHLS/CAPONE ACCOUNT # XXXX ; XXXX  ACCOUNT # XXXX ; has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX ; XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-19
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REPAIR THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, a fraudster hacked into by business checking account ( Truist ) and wired out ( {$8100.00} ) ( {$9800.00} ) and then again ( {$9800.00} ) using a new email address he or she created in my account to authorize the transactions. The bank gave me no notice this was happening and used no reasonable method to authorize the transactions. 

This then happened again onXX/XX/XXXX with amounts of ( {$8100.00}, {$11000.00}, and {$7800.00} ) which made my account balance {$0.00}. Again, no red flags or authorization from my husband and I who manage these accounts. Since my husband and I were locked out of the account- we called the fraud dept and waited on hold for an hour but could not get a hold of anyone. The bank later stated that the phones with the fruad department were down at that date and time. 

We went into the branch because we were locked out of our account on Friday XXXX XXXX and saw that the funds had been stolen. We immediately instructed the bank to flag these transactions as fraud and take the necessary steps to get the money back. 

It's been 15 business days after the funds were stolen and there is no update from the bank. I did all the necessary reporting to the local and federal authorities on the issue and made a claim with the commissioner of banks in North Carolina. I have also sent many emails which yield no response. I have also contacted ( called ) XXXX XXXX from Truist almost every day since I was notified she is supposed to be my point person from Truist on our case and I have never gotten a call back. I will enclose the only formal response I have from the bank- which does not state much. I just received this today. 

Also- I'm repeatedly told from Truist that they ( did not ) and do not have to submit CTRs to XXXX . I believe they are legally responsible to submit a claim. Wire fruad is a federal crime and they may be delaying the FBI 's response by neglecting to give them necessary information regarding this massive theft.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TN)

I recently refinanced my home and the loan was sold/transferred to Flagstar Bank within a month or so. Rather rather than make the regular payment of XXXX each month, I chose to pay {$500.00} each week which I thought would be applied to the mortgage balance on date of receipt and help reduce total interest paid and result in paying the mortgage off sooner. See mortgage statement in attachments whichwas pulled from the XXXX website. I received a notice that they had not received payment. I called customer service and they applied the payments on the day I called, not on the date the payments were received. 

Is this legal? Can they hold payments that I send to them without crediting my mortgage? 




Date Description Total Amount Payment Principal Payment Escrow Payment Interest Payment Fees/Other Charges Payment Suspense Principal Balance Escrow Balance XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX  XXXX XXXX XXXX, capital one auto refuses to accept payments from my business account more than a year after I closed the personal account I had used for making payments. I was told at least twice that three regular payments in addition to paying the payment due to catch up, would allow me to resume paying automatically. Each time I fulfilled my obligations, their story changed. Either I hadn't called before another payment was due ( I had ) or now it was 6 payments before I could regain online access. 

Meanwhile, each time I missed a payment, I receive emails personally inviting me to use their website to make a payment. Of course this is just a ruse, meant to frustrate their customers. 

Capital one seems to intentionally discourage people from making payments on time while insisting that their customers share personal information including credit card numbers to operators in the XXXX. 

The balance is almost paid off. There's no need to keep me from making payments on time.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Minnesota medical privacy rules XXXX 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (FL)

The following accounts were discharged in bankruptcy and there is no bankruptcy on file. 
I have filed multiple disputes with Equifax and they continue to report these inaccurate accounts on my credit file. XXXX XXXX XXXX Account # XXXX & XXXX XXXX XXXX XXXX Account # XXXX. Please remove these inaccurate accounts from my credit report. There is no bankruptcy on file so these accounts that are included in Bankruptcy need to be removed immediately. I have attached the credit report that i received from Equifax dated XX/XX/2021 which shows that both of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were included in bankruptcy. Bankruptcy has been removed due to inaccurate information reporting now please remove these accounts that were tied to the inaccurate bankruptcy. I have attached the Equifax reports, my drivers license, social security card and utilities bill for proof of identity.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} Status Collection account. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. 
XXXX  XXXX bankruptcy discharged Potentially negative Date Filed XX/XX/XXXX Court US BKPT XXXX TX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Close
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

The XXXX XXXX XXXX XXXX  - held by Comenity Bank is out of compliance with the Credit Card Act as they do not deliver my statement allowing me to have 21 days to pay my payment. 

Time To Make Payments. -- A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.. 

Every time I send a payment I get a subsequent bill that includes a {$35.00} late charge as they are stating that my payment was late. I am paying my payments on time and I believe there are not applying my payments timely. 

I just received my latest bill today - XX/XX/22 with a due date of XX/XX/22. That is only 18 days to the due date. 

They have reversed the fees in the past when I call and Im assuming they will again. However, I feel these fees are inappropriately assessed and less diligent consumers may be paying late fees they should not have to. I have several store cards and I am consistently having issues with a late charge on The XXXX XXXX account. 

Thank you for researching this issue.
Consumer complaint received 2022-07-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (VA)

The section of the Bank XXXX XXXX and Privacy Notice entitled " Arbitration Procedures '' states, in part : " Either You or Truist may initiate arbitration by submitting a demand for arbitration to the arbitration administrator .... '' and " Any demand by You must be delivered to Truist Bank Legal Department, Attn : General Counsel - Arbitration Election, XXXX XXXX XXXX XXXX Mail XXXX : XXXX, XXXX XXXX NC XXXX, and our notice must be sent to the most recent address for You in our files. '' Based on the aforementioned verbiage, I am assuming that : ( i ) the usage of the term " may '' indicates that my submission of a demand for arbitration to the arbitration administer is optional ; ( ii ) the usage of the term " must '' indicates that a demand for arbitration submitted by me directly to Truist, and without submission by me to the AA, is a pre-dispute arbitration agreement; and ( iii ) the meaning of the term " address '' includes either : ( a ) the most recent account statement for my account; ( b ) my account itself; and ( c ) any other account statement for another account or the account itself.
Consumer complaint received 2022-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GreenSky, LLC (CA)

I had identity theft and this company was listed on my credit report and they refuse to remove it. The balance now is {$3200.00} and its reporting on my XXXX credit report and has been showing since 2019. I filed a police report with the XXXX Police Department The company name is XXXX XXXX XXXX GreenSky acct # XXXX
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

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 THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly 100 % inaccurate on my credit.

This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. Thank you
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

Ive reached out multiple times in reference to this account. The card was secured with a XXXX deposit, with only XXXX dollars used in credit. The account was closed with no reason given. I never asked for the account to be closed and inadequate reasons were given. My remainder money was kept and never sent back to me.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2021, I sent a letter to LVNV funding requesting that they validate an alleged debt they placed on my credit reports. I received a response from Resurgent Capital Services stating that they are collecting on behalf of LVNV Funding. Since when a collection agency collects from another one, and neither one of them has provided me with the original application of this alleged account like I asked them.