davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

I purchased an item from XXXX XXXX through PayPal. The item the merchant sent me was the incorrect item and I subsequently reached out to the merchant, XXXX XXXX and PayPal to solve the issue. I asked for a full refund and agreed to send the item back at my own expense which is unfair. I open an case with PayPal to rectify the situation since XXXX XXXX and the merchant only wanted to refund XXXX dollars of XXXX dollars I spent on the product. I sent the item back and PayPal stated that i submitted inaccurate shipping info. This is unfair because the merchant will receive their product when it clears customs and I will never receive a full refund because PayPal closed the case without solving the problem. Please Help!
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have requested that Experian and XXXX preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the FCRA. XXXX report XXXX is XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by XXXX and Experian. This account account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (MD)

This was detected by credit monitoring ( XXXX XXXXXXXX and XXXX. Showed up as a collection account and I don't have any accounts in collections. I have never heard of this company nor recognize the amount they are collecting.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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.

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 2021-10-20
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 XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX  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 XXXX i spoke to a representative agent name 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 seven 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two 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 2022-06-27
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. (OH)

I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXXXXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Consumer complaint received 2021-10-20
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. (IL)

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 Equifax 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 Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) Account # XXXX XXXX Account # : XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was involved in a non-fault-accident which caused my car to be totaled. My insurance company paid XXXX XXXX XXXX which left me with a GAP. On my contact I purchased XXXX ( debt cancellation agreement ) meaning they would take care of the remaining balance. XXXX continue to send me monthly statement via XXXX and I was making those payments. A charge off occurs 90-120 days off non-payment. I have the payment history. This account should be reported as paid in full as agreed but its reporting as a paid charge off which is false. I disputed with XXXX, XXXX, and Equifax, and XXXX XXXX XXXX many times and the account is still reporting as a charge off. The account have no past due amount and no late payment and still reporting as a charge off. 

Violation 1 : Under 15 U.S Code 1666 ( b ) ( 4 ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

Violation 2 : Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments there should be no late payments on this account/charge off.
Consumer complaint received 2022-08-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I opened an Bank Acount on WELLS FARGOS. I deposited my check and my wife check from work at the same time. we both use a different name for work. so the check does not show my account name on It. For several weeks i didnt have any trouble doing It. The bank hold them for a couple days to review the checks and then make the funds available. It was not a mayor problem for me that they delayed the availability of my funds. On XX/XX/year> i deposited both checks for {$740.00} on XXXX XXXX name and {$560.00} from XXXX XXXX, my wife, like usual. The Bank hold the funds, but this time, instead release It, my account got blocked and closed. I went to the bank with my wife to solve the matter. We talked to them, show them ours IDs, checks and paystuf, but they did not Accept It because they want us to show a passport too. I told them that i got XXXX names, the one for my working documents is XXXX XXXX so is the name on check but my name on the bank Account is XXXX XXXX despite show them my photo XXXX, on XX/XX/year> I got a letter from Wells Fargos bank to inform me that i do not entitled to that funds. It said they will close my bank Account. and they will mail me a check with the remaining balance was {$1300.00}. Even though these remaining balance they sent me a check for only {$27.00}
Consumer complaint received 2022-08-22
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: Bread Financial Holdings, Inc. (GA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Details : I had a CAPITAL ONE XXXX  CREDIT CARD LAST FOUR # XXXX. 

Circumstance : Due to COVID, my wife getting sick and complications arising from this ( paralysis ) I had 3 late payments, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am current. 

First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything.

Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed.

However I don't think they got the message as it was done online. 

Second Attempt : Today I spoke with Capital One at XXXX XXXX XX/XX/XXXX and they said they would remove them, but their system wouldn't allow it. 

I only got this credit card to improve my credit and it is hurting me so bad I can't get another credit card, car or house. 

I currently have a credit card with them, no negative marks. It only has a {$2000.00} balance and I had to pay it off 4-5 times last month due to low balance.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AR)

We entered into a loan modification with Rushmore Loan Services about 5 years ago. We've made all payments, until XX/XX/2021, which was made on XX/XX/2021. We paid the full XXXX payment and an additional {$910.00} which was to be applied to our mortgage principal. Instead, Rushmore placed the {$910.00} in a suspense file and now refuses to apply it to our mortgage.

Rushmore is the sorriest mortgage company I have ever worked with, all they want to do is charge fees and foreclose on people 's property. We are in the middle of a pandemic never experienced by mankind before. They should be trying to assist people. 

They also engage in predatory lending practices and are well known as a lender who takes advantage of people on every corner
Consumer complaint received 2021-12-28
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (OH)

My name as first and middle name is changed and they have my new name but they continue to use my old name and when they look into my social security or BMV in Ohio and my new name appears and they won't acknowledge my new name and I dispute it with them and they said that my dispute was settled and they are keeping my old name on their information and it's missing up my credit big time and the company is Experian.com they are a credit bureau firm .... I called them on updating them on all of my updated information and they corrected everything but my first and middle name... if u were to call social security or BMV in Ohio they would have my updated info like my name and where I live and etc...
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Received a flyer that I am eligible for a Loan Consolidation, when I went and applied on line I was advised that I needed to speak with a rep. I called in, and found out sorry you do not qualify, but we can get you into a program with Freedom Debt Relief ( Bait and Switch ). Read about others on the XXXX  page that they also had this same situation. Worked out most of the credit card accounts, fees are really high. In the end probably paying the same amount in debt, not much of a savings. The real issues come into play, when someone tries to sue you ; I was assured that someone would be there to help me, we help you get a legal team in place for this. Really they are not there for me, they may claim it is NOT their legal team, but in reality you can not ever speak to the lawyers, you have to do all the work, I had to call and write to the courts to stop the lawsuit. The first time, I was told, that my account was about {$100.00} short and the attorneys would not touch it. I jumped and put the full extra amount requested, then a few weeks later I get another letter that they had not heard from me and proceeding to sue me, I received a court summons, I called very upset, they said I needed to respond, and that the needed almost {$600.00} more added to the account, I borrowed it, them I once had to deal with it. Them I get a letter that the attorney never heard back from me, and the attorney was requesting the judge hold me in contempt and rule in their favor, when I called in very upset I was told I needed another almost $ XXXX. Which I am on a payment plan of an additional {$800.00} per month. Now I received a letter from the attorney looking to settle directly with my NOT FREEDOM DEBT RELIEF, whom I have sent all this money too. I had previously sent a CFPB complaint, halfway though this situation, BUT IT HAS GOTTEN WORSE, I had someone try to contact me 1 DAY, when I sent him back an email when I was available, he said he was not available at that time. When I tried to call him on the phone number he left, both XXXX and XXXX said that those were invalid numbers.
Consumer complaint received 2024-11-29
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Beneficial owner of All caps Name ( XXXX XXXX ) was approved for a XXXX $ line of credit on XX/XX/XXXX by USAA. The Credit card was actually issued on XX/XX/XXXX. XX/XX/XXXX I sent a letter of credit to redress the credit card agreement through via USAA app, by law having the right to redress any agreements and or contracts within 2 years pursuant to Federal Trade commission act, with the right to redress being one of the basic consumer rights. USAA sent a bill on XX/XX/XXXX, I expressively put instructions on the bill, with letter of credit also sent physically to the USAAs bill payment department on XX/XX/XXXX and a document of Federal reserve section 16 to instruct the managers of the account of how the bill should be paid off but they dishonored the acceptance of the said note and sent emails as if Im still obligated to pay off this debt. Expressed in letters to USAA it states in 18 USC 8 that all obligations of the United States is to pay all bills. I spoke with a USAA employee who came oh behalf of the CEO office of USAA, and she told me I didnt have no right to redress the contract. Also in bills of exchange act the only way to pay a bill is by interest and to be so expressed to be paid to the bearer. Another letter of credit was issued on XX/XX/XXXX to satisfy the account and for this debt to be collected. This letter of credit was titled opportunity to cure to honor this performance to transfer the principal balance to the principal account number. I expressed that the application is collateral with the letter of credit for this debt to be satisfied and its guaranteed interest for principal pursuant to Federal Reserve section 16, and interests to be paid by the banks stated from 12 USC 1431. The principal is owed interest by law and performance shall be honored. The violations will be patterns, unfair practices and breach due to negligence of performance in whole which would lead to non-satisfactory to the account, and for public debt to accrue to this nation.