davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Bureau, Inc. (FL)

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Consumer complaint received 2016-12-28
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (PA)

On XX/XX/2016 at XXXX, RMS contacted me on my cellphone from the number XXXX. I called the number back 5 minutes later to see who it was. They informed me that they were calling regarding a small debt I owed to my former auto insurance company. I informed them that I do not want to receive calls on my cellphone and gave them an alternate number to contact me. On XX/XX/2016 at XXXX, RMS contacted me again on my cellphone from the number XXXX. I informed the representative that I had requested that they not contact my cellphone when that company contacted me three ds prior to that call. The representative was extremely rude to me during the call and I had requested they either erase my debt or I would consider legal action since the company contacted my cellphone after I requested they not contact my cellphone. I had contacted the company the next day and was informed that they returned the debt to the original creditor because they could n't collect on it anymore.
Consumer complaint received 2024-09-03
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. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXXXXXX XXXX on XXXXXXXX XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX under the account number ( XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XXXX XXXX my credit card was fraudulently used on multiple transactions. While Capital One was quick to issue credits for the fraudulent charges. However XXXX 3 charges were charged back to my account. XXXX XXXX XXXX # XXXX for {$550.00}, XXXX XXXX for {$160.00} and XXXXXXXX XXXX # XXXX for {$330.00}. Despite being given the police report and FTC affidavit identifying these transactions as fraud Capital One Decided to hold me accountable for them. I immediately redisputed them, speaking with a case manager who told me she would have them removed back in XXXX XXXX. Over the next few months I called in multiple times to inquire as to the status of these fraudulent charges and was always told the case manager would have to call me back. Yet I never received a call back. 

Finally I spoke with a Fraud Account Manager who told me because they suspected the charged where domestic fraud even though it was clear I did not make the charges they would not get involved or honor their fraud zero liability stance as advertised and written in the the credit card agreement. 

Under 15 U.S. Code 1643 - Liability of holder of credit card then Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card have been met. In no way has Capital One fulfilled this requirement. Instead they have shifted the burden of proof onto the consumer in violation of this law. 

Then Exclusiveness of liability of a cardholder incurs no liability from the unauthorized use of a credit card. Regardless if the possible suspects may or may not be known the to the consumer as long as the consumer never gave them permission to use the card. Capital One is violating this law as well.
Consumer complaint received 2016-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

I have asked Central Financial to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-09-03
Product: Credit reporting 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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-03
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( XXXX ), 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 reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2017-08-30
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. (MI)

I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my XXXX and TransUnion credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both XXXX and TransUnion have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.
Consumer complaint received 2017-08-30
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. (IL)

I disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear XXXX, XXXX, TransUnion, I am writing to dispute the following information that appears on my XXXX, XXXX, TransUnion consumer report : Consumer-Personal Statement As a concerned citizen, I believe it is the responsibility of organizations like the FTC to uphold and enforce consumer rights, ensuring companies adhere to ethical business practices and prioritize the interests of consumers above all else. I urge you to take decisive actions to address theses issues and to implement policies that will better practice consumers from exploitation and fraud.

In accordance with the Fair Credit Reporting Act Convergent Account TRANSUNION, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. Including, 15 U.S.C 1635, 15 U.S.C 1662, and 15 U.S.C 1691
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$25000.00} Account Name : XXXX XXXX Account Number : XXXX {$30000.00} and list of Inquiries. 

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 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SecurityNational Mortgage Company (NV)

I was pre- approved for the loan 6 months or more prior to the loan being issued. Closer to the loan date I was asked for more information all of which I provided in a timely manner ( less than 48hrs ). I was using a program that claimed to rent out my previous home while I purchased a new Home. I had a signed lease agreement from he leasing company guaranteeing me a certain amount x 3 years and this was a company used by the builder who built my home. Also the loan company was recommended to me by the builder. About a week prior to closing I was told I needed a signed lease agreement by a tenant ; I was told I could fake one but I was uncomfortable with this legally. After I made my concerns heard, I was told they could appraise my previous home and they would rush this. It all went through but I was not informed that my closing date would be pushed back ; this lead to 3 extra nights in a hotel, my furniture being placed into storage and all of our screws to re-connect our furniture being lost and a lot of stress. I complained to the company then but they said they can not guarantee a closing date ; a fact that I wish they would have told me several months prior. It was the underwriter who was holding up everything. I have a good job and decent credit with no late payments ever so ... the only thing I could think of the underwriter had concerns about was my race- I am XXXX. I let this go ; I made my first payment early because I had the money and was changing jobs so did n't want anything to be seen late- the check was cashed on XX/XX/XXXX ; my first payment was due XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating I owed 2 months payments. I emailed and called ; I was told the payment was applied XX/XX/XXXX on the phone but when I logged into the website it said the payment was applied XX/XX/XXXX -- so no letter should have been generated XX/XX/XXXX. Again I feel like they want to cause me XXXX and just assumed I would not pay because I am XXXX. I sent direct complaints to the company x2 with no response. I wonder how many other people have had these issue with this company.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Experian reports the following information that does not belong to me : 1- Berks XXXX , XXXX/XXXX/XXXX, {$410.00} 2- XXXX XXXX , XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- XXXX XXXX, XXXX/XXXX/XXXX, {$940.00} 4- XXXX XXXX, XXXX/XXXX/XXXX, {$550.00} 5- XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 8- XXXX, XXXX/XXXX/XXXX, {$0.00} 9- XXXX, XXXX/XXXX/XXXX, {$0.00} 10- XXXX, XXXX/XXXX/XXXX, {$0.00} ( reported 3X ) 11- State of MDXXXX, XXXX/XXXX/XXXX, {$170.00} 12- XXXX XXXX, XXXX/XXXX/XXXX, {$0.00} 13- XXXX XXXX XXXX , XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX XXXX {$2000.00} 15- XXXX, XXXX/XXXX/XXXX, 30 days past due 16- US Dept of EDXXXX, XXXX/XXXX/XXXX, {$3700.00} XXXX US Dept of EdXXXX, XXXX/XXXX/XXXX , {$360.00} 18- US Dept of EdXXXX, XXXX/XXXX/XXXX, {$4900.00} 19- XXXX, XXXX/XXXX/XXXX, {$620.00} 20- XXXX , XXXX/XXXX/XXXX , {$590.00} Please remove these items
Consumer complaint received 2024-09-03
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (CO)

I have been with this company since XXXX of 2016. I originally started making my payments in full and recently about three months ago, I started sending in weekly or bi-weekly payments because it was easier for me. I called last week to find out what the balance of my payment was due for this upcoming Friday and received an odd amount. I called back this week and spoke with three different agents who provided me with three different amounts. I spoke with a supervisor who provided me with an amount that was more than what I showed I owed. I had to go back and check my payments to just verify and the numbers just did n't add up. Their online website only provides the statement amount due and does not reflect the current balance after payments have been made, nor does the phone system. You have to speak to someone to get an answer even if it is not accurate. I am so concerned that my payments have not been accurately posted to the account. I need to figure how how someone can audit my account to ensure that I my overall balance is correct. This frightens me and it is unsettling to know that the company I have my car loan with does not have my best interest at heart and I wonder how many other customers they are getting over on.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

In XXXX XXXX, I requested an Escrow Analysis because my mortgage payment increased. The increase was due to higher taxes and insurance which I understood, however, the company said they were " allowed '' by law to invoice for more than what is actually owed for escrowed items effectively allowing them a cushion of extra funds in my escrow account. I expressed to them verbally that I can not afford anything over and above what the actual charges are. In XXXX XXXX, I once again requested an Escrow Analysis and was promised I would receive one by no later than XXXX/XXXX/XXXX. To date, I have yet to receive my Escrow Analysis but I have received a notice of intent of default and intent to accelerate, presumably because I am not paying the invoiced amount and now I have incurred late fees and additional charges. My son was diagnosed in XXXX XXXX with an XXXX and the XXXX of this situation is very hard on my son and me. I would so greatly appreciate any assistance you can provide. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (GA)

I had a chase credit card Account that has been closed for years. I still am making payments but because of the fees and interest this account is still not paid off, they call repeatedly when my payment is late and are unwilling to work with me on payment arrangements. In the past 5 years I have had XXXX, had a XXXX XXXX XXXX, issues with medical problems sustained during my service in the XXXX, XXXX of a XXXX XXXX, and now XXXX which have affected my ability to work and have resulted in me having to take leave without pay. I just want to settle this account so I do n't have to deal with this companies harassment. I must have paid thousands of dollars in fees and interest and it is causing great strain on me and affecting my credit report negatively.