davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Good morning, My issue is with the company Capital One. I closed my account back around 4 months ago. I had missed one payment, my payments went up astronomically. So I closed my account and continued to send in my minimum payment, as that was all I could afford. I noticed on my statement they were still charging late fees and interest for purchases! The account is closed. Ive suffered financial hardship, explained that to two customer service representatives. They are making it VERY to pay off a balance! My monthly payment for XXXX is {$64.00} but the have added {$40.00} in interest on purchases. This is horrible! My credit has always been in good standing! I expressed that I was a contractor and had lost my position and they simply dont care! The account is closed! Someone please help!
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I have filed a direct dispute with XXXX failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue XXXX And Transuion for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also Transuion failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AZ)

I received an email to set up an account for my existing card with the company synchrony bank and it led me into filling out what I thought was registration form, but actually ended up being a second application for an additional credit card. I was approved {$2000.00} and was very confused because I was trying to register. This was misleading and now I have a hard inquiry and an additional card I do not need or plan to use.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am a first time home buyer and this process is new to me. I applied for a pre-approval in XX/XX/2021 and I was approved by XXXX XXXX from Fifth Third Bank. I finally found the perfect home and we put in an offer on XX/XX/2021 and offer was accepted. Contract was signed on XX/XX/2021 and closing date was scheduled for XX/XX/2021. The appraisal for the home was not done until XX/XX/2021. He found something wrong with my checks 2 days before closing and I had to scramble and had 48 hours before the closing date to get a letter for garnishment that shouldnt have happened on my check that the account was closed. The appraisal took 2 weeks and the sellers were wanting to work with me but because it was passed the closing date they would no longer pay the repairs that needed to be done for FHA approval, so we had to pay for the repairs. If the appraisal and my credit was done before XX/XX/2021 then there was no need for my credit check to be done again and repairs would have been paid by the sellers if it was done in a timely manner. My credit was reranned on XX/XX/2021 and new things showed up on my credit and my credit score dropped, so I no longer was getting approved by the bank to purchase my new home. We tried to get an extension since the repairs were already complete, all the inspections were done ( home {$420.00}, termite {$60.00}, radon {$120.00} ), and application fee ( {$390.00} ) for fifth third bank was processed and paid for. He was very unprofessional, was not responsive to me or to my lawyer or realtor and not processed like things should have happened. I would not have lost this house if it was not for him. The house was put up on market and they accepted another offer from another buyer. I lost alot of money. I did complain to his supervisor XXXX XXXX and she didn't do much either. She did admit on the phone that he failed to tell me the price range I should have been looking for in a house and for not doing things on time before my pre-approval letter expired. Im out on a house of my dreams and out on money. I do not want anyone to go thru what I went thru as a first time home buyer. I will never recommend Fifth Third Bank to anyone to purchase a home. Please let me know what we can do if I can get my money refunded for a poorly and unprofessional job on my application to purchase a home.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (OH)

I have been going back and forth with Experian for 90 day 's about a few account 's that should not be on my consumer report. Ive expressed my concerns with Experian and made them aware that they are in violation of the FCRA pursuant to 15 USC 1681c-2 ( A ) Experian refuses to delete information that was reported as identity theft. The law says, in case of identity theft a consumer must provide 1. Ftc identity theft report 2. identification ( my Id ) 3.Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume responsibility. 

The Facts I sent over all 3 appropriate document 's to Experian I mailed the documents certified on XX/XX/2022 they recieved the document 's on XX/XX/2022 XXXX XXXX, pursuant to 15 u.s code 1681c-2 Block of information resulting from identity theft the blocking of such information should be blocked not later than 4 business day 's I will submit proof showing it's been way over that time frame. Experian 's actions has caused me actual damages of mental anguish and economic loss for being willfully non compliant pursuant to the FCRA. The supreme court has held that in order for a violation of the FCRA to be willful. It must have been committed knowingly and recklessly. I have been reporting this to Experian for the past 90 day 's way past the 4 business day time Frame.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (FL)

On XXXX XXXX, 2021, I purchased the vehicle at the end of the lease agreement through my own bank. Tesla Finance has an overpayment which is owed to me in the amount of {$5000.00}. Tesla refuses to refund the money owed claiming they are backlogged. The vehicle last XXXX in the VIN number is XXXX.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I asked the bureau for validation ( in the form of an original contract ) for the fraudulent account. In addition to the bureau request, I submitted a letter and anXX/XX/XXXX report. I have not received any original contracts, and the information is still on my report. 
Their response was that the information was accurate, and they blatantly ignored my request to see the document that they have on the file between me and this company, even though the law states that I am entitled to that information.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX XXXX, and the XXXX XXXX XXXX XXXX ( OCFP ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, EXPERIAN, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a report.
Consumer complaint received 2022-01-27
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX account number # XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EX/RT.
Consumer complaint received 2022-01-28
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. (TX)

I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

Hello, I would like to submit an official complaint on XXXX XXXX a Senior Loan Advisor from Freedom Mortgage. I spoke to XXXX XXXX on XX/XX/22 and I verbally stated multiple time over the phone and via email to not run/pull credit reports for my wife and myself however he pulled our credit anyways without our permission. 

Agents ' info : XXXX XXXX Senior Loan Advisor NMLS # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Direct : XXXX Office : XXXX ext. XXXX Fax : XXXX XXXX FreedomMortgage.com
Consumer complaint received 2022-01-28
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 — Investigation took more than 30 days
Company: Advanced Resolution Services Inc. (FL)

XXXX, I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waitedXXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX  ; I want these charge offs/write offs deleted from my credit reports ASAP.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc. (NV)

This company is asking for a debt that I had no legal binding contract with them regarding. I am not sure if my alleged debt was sold to them or not, but I have no working knowledge of who this company is or why they've been sold this account OR are making attempts to collect an alleged debt on behalf of another company which whom I never gave access to send, share, or give out any of my personal information. 

Please see below for steps I am willing to take to correct this action ASAP. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

Hello : I have made repeated complaints against CONN 's Appliance in the amount of {$4100.00}. 
I made contact with them on XXXX different occasions regarding furniture that was not working properly and needed repairs.While at Conn 's initially they promised me that they would take care of the repairs at no charge to me in the event of things not working properly. 

The bed that I purchased was not assembled with all necessary bolts and weakened over time. I contacted them repeatedly and they said that there was nothing they could do because they didn't have the right equipment to service. I explained that it was unfair and unethical to promise repairs and then not do them and still expect me to pay for it. I asked them to come and pick up the bed and they refused.
Consumer complaint received 2022-01-24
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: PENTAGON FEDERAL CREDIT UNION (NY)

YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
Consumer complaint received 2022-01-23
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. (TX)

After carefully reviewing my credit report. I learned XXXX and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that XXXX and XXXX is failing to comply with FCRA laws. Transunion is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. XXXX is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding XXXX and transunion to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.