davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge.
Consumer complaint received 2018-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NJ)

In early XXXX XXXX, I called XXXX XXXX, I explained that my husband was laid off in XXXX XXXX. They put us on a 6 month forebearance plan, the details were as follows : 6 month plan, monthly payments of {$250.00}. XXXX XXXX was the last month on the plan, I paid more than the amount requested. I asked " What happens when the 6 months are up and my husband is still unemployed '' I was told you can re apply and we will extend it. On XXXX XXXX I re-applied for the extention and I was surprised when I was denied, because our mortgage was in default by 9 months. Of course it 's in default, I was only supposed to be paying $ XXXX/mth. I  will continue to try and make payments, but I was told eventually it will get to the point that my mortgage will go into foreclosure and I will not be able to make single payments
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

there are different last date of activity showing 3 different dates.. asked then to remove immediately.

How is this account accurate when the date of last activity shows 3 different dates. violation and to remove immediately Asked for method of verification, how is it accurate when it shows 3 different last date of activity, what was the method of verification? remove immediately.

asked for proof of validation, method of validation, send me the proof of validation or remove this account for failure to CONDUCT a proper Investigation. 
Late payments after charge off., prof of validation. violation.Because there are late payments after the closed date was reported this unverified and inaccurate account. is a Violation, please remove it Immediately They continue to report late payments after charge-off, late payments after charge off, you are in violation by continuing to report this unverified and inaccurate account. Violation, remove immediately.
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Trying to opt out of sharing with Capital One Auto Finance and ensure sharing of information is limited as per current law. Started attempting to do this with most recent bill from XXXX XXXX ( XXXX ) where annual privacy policy information was included. 
Have been put on extended holds with Capital One ( no  toll-free number is provided to opt out in a VRU/IVR ; you have to call them. There also is n't an option online to opt-out of sharing ), transferred between departments, and hung up on. 

When I managed to get to a person on XXXX at XXXX, I had to verify I was me by providing my full SSN, then the account number for the auto loan, so they could " find me in their system ''. I was put on hold again, then asked that I had to spell my full name for them. 

If they have both my full SSN, and the auto loan account number, they have all other personal and PII information about me ... my full name & address are on my billing statements, which should then be in their computer systems ... they could n't send out a billing statement without them! I asked for a supervisor to handle my request. 

When a " supervisor '' picked up, a woman named XXXX asked me for my credit card number, told me I was in the wrong division, then transferred me to the auto division 's VRU/IVR, where I had to reverify myself again. I got to a representative ( XXXX? ) who made me re-verify myself with more personal information, and then had no idea I was asking about the annual privacy policy notice, and then suddenly told me I was " taken care of ''. 

I have zero confidence that my Privacy sharing preferences are truly updated, and the only way I could find out is if I waited until their system updates next week and then go through a cycle of calls again. 

It seems like Capital One, especially their Auto Finance business, has gone out of its way to make opting out of sharing ( under the GLB Act regs ) as difficult as possible, especially when compared to other credit card/loan grantors.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IN)

I've been receiving a call from this phone number for CitiBank every day on my work direct line. It is always an automated call. I tried calling CitiBank. I have never had any affiliation with this company what so ever. It took serious digging to find a number that would put me in touch with a human rather than a machine. They told me I needed to register on the do not call registry. I tried registering my work number with the National do not call registry; however, when verifying, their database picks up our 1-800 number and not my direct line. Therefore, it is impossible to register my direct line with the National do not call registry. They also confirmed I was not the person they had intended to contact, but they could not take my phone number off their call list. I received a call on the following dates and times:

XX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX

Today is XX/XX/XXXX XXXX.

I've been in touch with the company IT team. They will have to change my phone number because of this issue.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TN)

I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other accounts.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have previously requested from all three credit bureaus : TRANSUNION, XXXX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX/XXXX/XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth, and Social Security Number ( please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair 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 files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (LA)

I called in today ( XXXX2018 ) to discuss an issue with a billing cycle change and was told that my call would be recorded. I asked if they would provide me with a copy of the recording if I requested it. They said no. I then told them that I would record the call as well. They told me that I could not do that and they would terminate the call if I recorded it. 
I asked why they could record the call but I could not. No answer was provided other than that is their policy. Why is Chase Card Services entitled to record the call but I am not?
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Account Credit card Charges Off Account : number XXXX Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Good morning in reviewing my credit report. XXXX XXXX XXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX written off. XXXX XXXX XXXX failed to submit 1099 -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX XXXX FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter. 
( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. 
Consumers prepared to address this matters in legal proceedings for statutory damaged. 
Im hoping we can address this matter with the proper outcomes for both parties. 
The following documents can be mailed to me at XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I opened a card with Capital One in XX/XX/2018. Everything was fine until I tried to make my first payment. I added my payment information as usual and everything was correct at that time. About 6 days later, the payment was charged back to my account and I got an email saying that the account with [ not my bank ] was no longer able to be associated with the card. 

Then I got a letter from the fraud department that they thought my card was opened by an identity thief, so I called them. They informed me that they would need to verify my ownership of an account that ISN'T MINE that I told them isn't mine. They refused to unlock the card until I could prove such ownership. 

Left with no other option, because obviously I can't prove ownership of an account that isn't mine, I closed the account. Ironically, they let me close the account without proof of ownership.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Now there are two late payments on my credit.
Consumer complaint received 2018-08-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX, Transunion credit report had negative collective items reporting due to a mistaken identity ( similiar name ). Transunion removed the negative items, but still reported them to existing lenders. I request that transunion send updated copies of my credit report to all existing lenders. This took place in XXXX of 2018. As attached below you can see a snap shot of XXXX XXXX 's transunion credit report. XXXX XXXX 's score dropped significantly in that month due to fraudulent information reporting.
Consumer complaint received 2020-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Control, LLC (CA)

Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks XXXX XXXX is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include XXXX XXXX I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against XXXX XXXX.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.