davidheineman/consumer-finance-complaints-large huggingface dataset:
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT # XXXX XXXX ACCOUNT # XXXX, XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission XXXXo furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have submitted Capital One a written statement of me informing that the services was not rendered from Capital One XXXX. Their terms and condition stated that I would be refunded the difference when the price dropped on the flight but they did not honor their own terms and condition and re-applied the charge back to my credit card XXXX. Capital One is in violations in multiple ways. I informed XXXX the " XXXX '' I spoke with on XX/XX/22 at XXXX XXXX XXXX with Capital One Billing and she did not try to resolve the issue but informed me to provide a screenshot of Capital one XXXX terms and condition in which I declined since I already provided a handwritten statement of the billing error dispute like they requested. 

Please see all attachments for clarity.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc. (TX)

Consumer 's account was assigned to NCM on XX/XX/21 for collections, by XXXX XXXX XXXX  University. NCM attempted to discuss account with consumer but consumer hung up the phone. Validation information was sent to consumer on XX/XX/21 explaining that consumer is responsible for the remaining charges for enrollment to the University. Since consumer has disputed the account. NCM has closed the account back to XXXX XXXX XXXX University and consumer can contact the University to discuss the account. 

Since this account is closed and NCM has sent the account back to XXXX XXXX XXXX University you have no business reporting this false and fraudulent account on this alleged debt you never had any rights to report on my consumer reports.
Consumer complaint received 2022-03-16
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. (GA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of $ XXXX monthly payment each month. XXXX finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every XXXX months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

escrow recalculation due to error BY mortgage company .The escrow department had XXXX parcel id on file for this XXXX piece of property. Escrow paid XXXX annual tax bill on BOTH properties..one of which does NOT belong to me... they have corrected the tax billing however, since they do not have the money back from the incorrect payment on the incorrect parcel- they are expecting me to pay additional escrow money for their error..additional XXXX a month until they get their money back that they improperly paid out to wrong tax parcel id ..I should NOT have to pay additional money into my escrow and await 6-8 weeks for them to get their accounting straight and the money return from the WRONG TAX BILL THEY PAID... This is no error on my part..I have made numerous phone calls to straighten out THEIR incorrect paperwork. I should not be pentalized for THEIR ERROR..
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (RI)

XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report Chrysler Capital saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-11-18
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them from XXXX and XXXX agencies. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-03-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (FL)

I have tried to secure a payoff and can not get through email or phone. This payoff the last piece to facilitate a refinance. They continue to state " it takes 7 to 10 bus days while admitting they received the request on the XX/XX/2022. In my opinion a ruse to post more interest charges. I asked to expedite through an XXXX but they left me on hold and told me there's nothing they can do. IF I fail to get this loan I will be in dire financial streights and as noted they are the only ones not cooperating with my request for help.This company has caused me severe escrow problems XXXX. Allegedly supervisor Custer " SERVICE '' " Our policy can not do anything to assist '' per Mtg dept. WILL NOT EVEN AYTEMPT TO XXXX speaks volumes!
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to a Bank of America which I have been banking with since XXXX to purchase a cashier check for {$10000.00} to pay toward down payment for my home, to my greatest surprise the cashier and a XXXX  lady names XXXX, who is the banking floor operation manager I guess just put an hold on my account for no reason, Then after I sat her down with her to ask her several questions and if purchasing a cashier check for {$10000.00} from my personal account was a crime, she wasnt able to answer any of my questions all she kept repeating was review at first I did noting wrong why are you putting an hold and reviewing my account, then after I heard her saying to one of there staffs and the security guy, his an XXXX  and his XXXX this happens this afternoon on XX/XX/XXXX, at the Bank of America ( XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ), am still very much sad, shocked and I feel so humiliated and depressed that I was treated so bad by someone who get paid from my money I saved into the back for being a very loyal and committed customer to Bank of America, it's time we all stop bank bullying and XXXX attack on XXXX and XXXX. # bankofamerica Name- XXXX XXXX Phone number - XXXX Email - XXXX XXXX
Consumer complaint received 2024-11-07
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. (FL)

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions, i disputed them couple months ago and they removed them and 2 months later they put them back on my credit report without my permission and I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2022-06-03
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)

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, XXXX # XXXX, and TransUnion # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (AL)

THIS IS NOT A DUPLICATE. I HAD TO REFILE MY COMPLAINT DUE TO THE COMPANY 'S RESPONSE. I REMOVED MY POWER OF ATTORNEY SO THEY CAN PROPERLY INVESTIGATE MY ISSUE. HERE IS MY COMPLAINT : We received your complaint. Thank you. 


I have reached out to Experian several times over the past two years about inaccurate information being reported on my credit report. All they have returned is correspondence reporting that the information is accurate. Due to this I became increasingly frustrated and decided to study the Consumer laws specifically XXXX XXXX XXXX XXXX. I was amazed to learn how unfair consumers are being treated in their daily activity. I learned in my sitution that Experian was violating XXXX XXXX XXXX XXXX ( a ) which says : ( a ) Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They are communicating information given to them that I never consented to them housing or recording. My Private information that never had my consent to be shared. I also realized that I never consented to Experian reporting information based off of my tax Id which is my social security number. I called the IRS and asked them do they have any interactions with Credit agencies to report credit information and the agent sternly noted that their is no such agreement. So I wondered how do these agencies even get my SSN number since I never expressed consent to do so as this IS MY PRIVATE INFORMATION. I also understood that according to XXXX XXXX XXXX XXXX that Experian was in violation of this law by communicating with third parties without my express consent. I have three businesses that I was trying to get started and I applied for XXXX loans for each of them and was denied due to Experian reporting information that I never consented to them reporting. Based on how I have been damaged, and based on these Consumer laws, I sent Experian an invoice for the damages that I have received based on their unlawful reporting. I provided them with an Exhibit for each violation. I also provided them with a copy of an XXXX search showing that none of the creditors that they are reporting who are claiming that I owed them a debt has a lien on such claimed debt which proves that they are Inaccurately reporting to Experian.
Consumer complaint received 2021-08-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MO)

I have a FHA mortgae through XXXX XXXX  and serviced bt Flagstar Bank. 

I have been in a COVID forbearance since XX/XX/2020 due to a reduction in our household income. 

I have never received information regarding the numerous COVID related hardship plans. Then I read a HUD article on the many options my lender and servicer should have offered me. 

I contacted Flagstar Bank, my servicer at the end of XXXX and was told they could not discuss any options available to me until my forbearance was over or no sooner than a month prior to the forbearance ending. 

In the middle of XXXX I contacted Flagstar again and demanded that they discuss my options and explained to them I have read the HUD information and even called HUD who confirmed my servicer should have discussed these options with me. I was told I was only eligible for a standard streamline modification. I again explained this was not my desire. The employee told me they were not aware of any COVID related options. Then demanded either my paystubs or bank statements to be uploaded to their website. Only having access to my bank statements, I uploaded them as directed. I called 2 days later and was again told I was only being considered for a streamline mortgage. I demanded to speak to a manager and again explained to the manager that I read the HUD article and spoke to HUD who confirmed the various COVID related options. I asked to be considered for the COVID option to achieve a 26 % reduction in P & I through the interest rate reduction to the HUD Published rate of 2.85 % or within 0.125 of the rate. 

The manager explained he would send an email to the team working on the streamline and have them change the request. 

The final outcome was not a 25 % reduction to P & I nor an interest rate reduction to the HUD published rate. When I questioned Flagstar about why they did not follow HUD guidelines, I was told this is all the investor - XXXX XXXX would allow.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Unauthorized Inquiries : All these accounts appear to be applications for auto financing. I did not give permissible purpose to anybody nor company to run my credit report. Please provide proof or delete unverifiable inquires from my report. Thanks XXXX # XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (GA)

I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.