davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-28
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. (TN)

XXXX, Transunion, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.
Consumer complaint received 2021-01-28
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. (GA)

I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the XXXX XXXX XXXX, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.
Consumer complaint received 2021-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Attended school from XXXX-XXXX with a few short breaks, for family reasons. I noticed on Fed Student Aid, that my loan amounts do not match with consolidated loan total. According to the Fed website my total loans are {$85000.00} with the breakdown of {$50000.00} consolidated which leaves an original loan amounts of {$35000.00} the difference being {$15000.00}. Navient has sent information regarding the consolidated amount but it seems there is roughly a {$10000.00} difference from my original loan amount and interest. I have been trying to find out if the difference is interest, a missing loan amount or an error. I have also contacted XXXX University, have not heard from them. Navient has sent me the same information, which reviewing is correct because they are going of of the information provided after XXXX. Also contact Fed Student Aid but they referred me back to Navient.
Consumer complaint received 2024-09-18
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. (MO)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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, that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX 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 2021-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/25 I received a response from CFPB stating said company ( Experian ) stated they do not recognize me as their consumer or authorized representative ( reference complaint ID # XXXX ).
Consumer complaint received 2021-01-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (TX)

I recently had my credit score checked for a mortgage application and it showed an open/active account for a past student loan with ACS Education. This student loaned was paid off about 5 years ago, but the account appears to still be open, even though the balance displaces as {$0.00}. When I tried to contact the loan provider, the phone number was disconnected and the website was no longer active.
Consumer complaint received 2021-01-28
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. (IA)

Letter of Intent to Sue Dear TransUnion This letter serves as the formal notice of my intent to file a lawsuit against TransUnion for the many willful violations and/or negligence allowing inaccurate information to be on my TransUnion credit report after several factual disputes filed by myself over the last 5 years. I have filed disputes online, by mail and phone clearly stating and providing proof of many specific inaccuracies on the XXXX XXXX XXXX  account. 
Your replies to the disputes claim everything is accurate. I have gone through my entire account history with XXXX and 41 out of 65 months that are being reported are inaccurate. 
Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This is not my XXXX account, it is not possible to have 41 out of 65 months of inaccurate reporting and have it on my credit report saying that I own this account. Im requesting you to delete this account from my credit report immediately or I will initiate a lawsuit and pursue punitive damages of {$100000.00}. 
Your prompt attention is appreciated,
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I got charged XXXX $ / month monthly fee from bank of america just because my employer set up direct deposit as a direct transfer rather than some way employers set up direct deposit transfers. It's completely out of my control how my employer sets up the transfers, and from my end I met the conditions required for {$250.00} or more per month. actually XXXX per month, and still i got charged XXXX $ /month fee. When I called them for a refund and to verify everythig, they said the funds are good but since it was a direct transfer from my employer, they cant refund the XXXX $ fee, so I had to close the account, I still think I was cheated and want to formally file a complaint against how I was wronged. I do desrve a refund and this will be the right thing to do on their behalf else no one else is ever gon na trust banking institutions, especially after being a long time customer for 12 years, if this is the way they treat their customers, they are just going downhill and don't appreciate customer loyalty at all.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc. (CA)

I started my refi in XXXX of 2020. I have made over 30 phone calls to loan cabin and only received one call back once from my loan officer. I have sent over 50 emails with few responses. After 5 months they told the XXXX they were waiting on XXXX docs, which I authorized in XX/XX/2020 but they never requested from the XXXX. Then after I have the XXXX send in required docs I hear nothing from Loan Cabin despite multiple phone calls and emails, even though Loan Cabin promised to follow up. Now they say the XXXX made a mistake and they are waiting on a response. When I contacted the XXXX they said they sent the update paperwork the same day over a week ago, which leads me to believe Loan Cabin can not check their own emails. If you want to refinance your home go somewhere else.
Consumer complaint received 2021-01-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GRIFFIN FUNDING, INC. (TX)

Multiple missed deadlines. Claimed to be able to close the loan on several dates and all deadlines were missed. Communication was non existent between the lender and all related parties. Lender lied about when things were performed. Items that were supposedly ordered were never ordered. Calls to the lender went un-returned. XXXX XXXX the sr. Loan officer explicitly lied to seller, buyer and real estate agent. Conditions of the loan were changed from the initial conversation. Contention of conditions that could not be met went unacknowledged and were not addressed until the contract expired. The contract expired multiple times due to XXXX XXXX not working on the loan. Items that were needed for the loan were submitted multiple times due to the blatant neglect and disorganized nature of their business. The CEO was completely condescending and rude and failed to return calls and the loan was denied without merit after the contract had expired giving me no time to exercise clauses that would let me exit the loan without losing my earnest money. Had the conditions been addressed in a timely manner, I would have been able to exit the contract without penalty. I am now out XXXX $ due to the failure to perform on XXXX XXXX part.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (NY)

I told the company and the collection agency it was not me I never lived in that state or visit it in was told to contact the other one in despites having it disputed through XXXX  XXXX, XXXX, and XXXX  it is still not resolved in keep being told they are saying I am responsible for this
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (TN)

There were several federal laws Equifax, XXXX, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on my credit report.
Consumer complaint received 2021-01-28
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 (NV)

My additional Card holder XXXX XXXX 's wallet was stolen back on XX/XX/2021 in his wallet was his Saks Master card along with his other credit cards, I reached out to Capital One Saks Letting them know his wallet was stolen and we need to make sure there is no fraud on the account as his other cards were already used without his permission, when I spoke to the agent she said she would get me to Fraud but instead hung up on me, I then Calle back a second time and was told the fraud department is too busy and can not assist me, this is absolutely unacceptable, I have had nothing but problems with Capital one and Saks since having this account, this card has FRAUD and we need to get It closed down reissued and the fraud charges removed immediately to be told I can not be helped and they can not transfer me is unacceptable, please get XXXX card re issued, get the Fraud charges removed immediately!!!! I dont even know what charges are on the account because I can not speak to someone to help me!!!!!! The last valid charge on the account was from XXXX XXXX for {$470.00} anything beyond that charge is fraud and it needs to be taken care of.
Consumer complaint received 2021-01-28
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: BBVA FINANCIAL CORPORATION (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX/BBVA USA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (NV)

I was XXXX in XXXX, XXXX. I had no contact with anyone outside of XXXX  because I am a Senior Citizen and really have no one anymore. Finally a woman in XXXX asked her husband to look up my old friend on XXXX. I contacted him in XXXX of XXXX and told him I needed help with my bank account and other affairs, We contacted Bank of the West by phone and found out my bank account had been hacked. I told the Bank Manager XXXX XXXX to close my account. She said she would. I got out of XXXX  in XXXX, XXXX and immediately contacted Bank of the West to find out the details of what had happened and found out they had hacked over {$10000.00} from my account through Savings. I asked the teller Feely what could be done. She said they would have to research it. Since then I went into the Bank on multiple occasions trying to find out what to do and they have drug their feet and lied to me and told me accounts have been opened in other banks and it was all lies. I contacted their corporate number and someone named XXXX XXXX contacted me in XXXX and said she was working on it and she has done nothing. I don't know what to do. What is my recourse? They told me I had to file paperwork as soon as I knew what happened but i was incarcerated. They could have sent the paperwork to me in prison when I asked her to close the account, it has an address, but they didn't. They sure threw it in my fact when I went in after I was released though. What can I do?
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (AL)

This is reporting on my credit report and it's not me. I have not ever attended a college. This false & fraudulent information on my credit report that do not belong to me. By law it's illegal for this to be attached to my name and social if it's not my account.
Consumer complaint received 2021-01-28
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NY)

XXXX!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor Sherman LLC????????? ..XXXX  from XXXX  refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to XXXX
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My husband and I have decided to voluntarily surrender a vehicle. It is a XXXX XXXX XXXX. It was refinanced through CapitalOne Auto Finance in XX/XX/XXXX in my name only. CapitalOne has not put the lien on the vehicle even though I sent the paperwork to transfer title almost a year ago. We are in the process of filing a bankruptcy. 
I called them to tell them to come pick up the car and wanted to arrange a date and time with them so I could give them the keys. I have made several dozen calls - each time getting no assistance from the reps. Four times being disconnected when they were attempting to get someone on phone to help me. 
The last call I told them they have until end of month to pick up or I'll sell because they are not doing anything to resolve this. We stopped paying on it in XXXX - this is all Covid related, but just need to get rid of this vehicle. They appear to not want it back. Need some help getting this taken care of.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.