davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
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. (TX)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC ()

1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 
2. XX/XX/2013 is the date that the bill was acquired. 
3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 
5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Good Morning, On XX/XX/XXXX my loan payment of {$590.00} was due. A payment of {$400.00} was made on XX/XX/XXXX and {$190.00} on XX/XX/XXXX satisfying this payment. 

A few days before my due date I received an email advising I owed {$400.00} to my XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to a customer service representative after reviewing my payment history and could clearly see the issue was what the company did with the XX/XX/XXXX {$400.00} payment. The representative checked my records which was expected but after a good amount of time passed I felt as if he was looking for any reason to make the issue my fault. However, he could not find an issue and I was advised he would submit an action to have the {$400.00} credited to my XX/XX/XXXX payment. This would take 7-10 days. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to another customer service representative as the {$400.00} was not credited to the XX/XX/XXXX payment in the time period advised and my XX/XX/XXXX bill was showing I owed a payment due of {$990.00} and not the regular {$590.00} on XX/XX/XXXX. She advised that the other representative did put in to have the {$400.00} credited to the XX/XX/XXXX payment but it would take much longer for this to be credited with a timeline of 4-6 weeks. 4-6 weeks?!?! What financial institution, business, or otherwise takes 4-6 weeks to make account related changes? 

Full disclosure this is not my first issue with XXXX XXXX and have had to stay on top of my student loan account due to the amount of mistakes they make in servicing my loan. Most are minor in example not processing an ICR plan reapply in an attempt to get my spouse to sign paperwork on my loan despite having all of my loans prior to being married. 

However, considering the issues and my status of applying for loan forgiveness I believe these issues are related to cause issues down the road when applying for the forgiveness. 

At this point I feel I have no other option but to file a complaint with the CFPB every time I have an issue because there is no other real recourse for XXXX XXXX actions.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX   opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to Portfolio Recovery Associates, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to Portfolio Recovery Associates demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1ST ALLIANCE LENDING, LLC (TX)

In XX/XX/ 2018 I applied for an FHA loan with 1st Alliance lending.I was seeking a pre-quailfying letter. I was told I couldn't be given a yes or no with out providing further documentation. I submitted the documentation and asked will I be issued a pre- qualifying letter to apply for my down payment assistance program with my state. I was told the laon had to be underwritten first. Which I am not understanding why the loan needs to be underwritten before I can be told yes or no. Here is the response I receiver from the agent. ( please see below ) I thought the response to be uninformative and disrespectful. 

Hi XXXX, You have an extenuating circumstance loan. We always want the extenuating circumstance to be approved by the underwriters BEFORE we issue a prequalification letter. If you want to ask XXXX if they will write an extenuating circumstance loan prequalification letter before seeing documents please do so. But they dont even write loans for credit scores under 600. 

The only reason I will EVER ask for anything is so we can write the loan. If you are really serious about buying a home then this is what we require for documentation. I will never ask for unnecessary documents. 

Let me know if you want to proceed. 
XXXX XXXX Home Loan Consultant 1st Alliance Lending , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX Toll Free : XXXX Local : XXXX Fax : XXXX www.1stalliancelending.com
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (FL)

Unauthorized payments and cash transfers were executed from XXXX XXXX on my accounts with credit unions on XX/XX/XXXX for {$30.00}, {$50.00}, {$20.00} and on XX/XX/XXXXfor {$30.00}, {$30.00}, {$2000.00} and {$2900.00}. I did not make these transfers and had to close my credit union accounts to avoid payment of some of the unauthorized payments. My credit union indicated that the payments withdrawn on XX/XX/XXXX could not be reverse. I need Paypal and XXXX XXXX to reverse them. I spent most of the day on phone calls with Paypal and XXXX XXXX  and could not get help with these unauthorized transfers. My credit union help to close my accounts as a loss prevention matter to the large payments from posting to them,
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The purpose of my compliant is to address fraudulent charges via a Capital One credit card. I had a secured Capital One credit card with excellent history dating back to XX/XX/XXXX. In the fall of XX/XX/XXXX I made Capital One aware of frivolous charges on the account. After review, they stated that the charges  were valid and began to report negatively to the credit bureaus thus destroying my credit. My secure credit card had a credit limit of {$3000.00}. My credit report is reflecting a charge off of {$9400.00}, with an outstanding balance of {$6500.00}. How is this possible, if ( A ) I reported fraudulent activity and ( B ) my card 's maximum limit was {$3000.00}? Your assistance in this matter is greatly appreciated.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

Last year I moved out of XXXX XXXX XXXX to XXXX, after being with XXXX XXXX XXXX for several years. I ported 5 out of the 6 numbers I had with XXXX XXXX XXXX, and I gave instructions to cancel the 6th line. To cancel the 6th line and port the other 5 lines I had to pay a balance for phone equipment financing and service charges, which I did, cant remember the exact amount but it was in and around {$1500.00}. A couple of months or so later XXXX XXXX XXXX called me to collect the service fee for usage on the 6th line. Two problems : 1. When I ported the 5 numbers I gave instructions to CANCEL the 6th line. 2. Even XXXX XXXX XXXX agrees that there was ZERO activities in voice and data on the 6th line since I cancel the number. They said that somehow the number wasnt canceled and I had to pay the charges until that day. It is not my fault they didnt cancel, I can not go inside their system and cancel it myself. I used to pay around {$400.00} for 6 lines and now they are trying to charge me {$390.00} for 1 line? This is a ripoff. They have all those notes on their system because a couple of weeks later they called me again and the representative read back to me all the notes that match the facts. They sent it to collection. When I got a call from collection I told them exactly what happened, but they didnt care about accuracy or fairness, all they wanted was to collect, so I suggested them to sue me in court. Yesterday XXXX XXXX XXXX call my daughter and told her about the debit and the amount. Is it legal? This morning he called my wife and told her that the debit is not YET in my credit report, however if I dont pay .... Is it legal? It is not about the money, its about principles. I do no owe this debit, I wont pay until until a judge says so based on the facts, not on brute force. Is there a way I could escrow this amount in court to show I dont have a financial problem but a moral one?
Consumer complaint received 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Ocwen is trying to forclose on me and they have NO STANDING. because they are not the holder of the note in due course. And I want them and all who are involved charged with FRAUD.

1Lack of consideration contract was not 2 sided.

2 Non Disclosure of all facts about the use of my promissory Note with my signature.

3 they took my Note monetized it and put it back in their pockets as money and then charged me with a Bill of the same amount for 30 years plus interest.

4They converted the Promissory Note In to a security without full disclosure.

5 They Also put me on their ledger as a debtor. And clearly when they monetized the Note. I became the creditor. there for they robbed me from the begging. And I never received any Federal Reserve Notes from all of the transaction that have taken place.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

at XX/XX/XXXX, i bought a prepaid credit card in the cashier, i could not use the car because the car was created such as an gift car, i wanned the card to pay my car insurease, the next day XX/XX/XXXX i call the netspend company to explain my problem, i made a complain and they said ( netspend ) they will send my money in 10 days not more of 15, today its XX/XX/XXXX, and i did not recieved my money. also i call many time and they do not have any answer. today XX/XX/XXXX i called and they handout my call.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2017 I sent a certified letter to Experian and XXXX   asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the XXXX XXXX XXXX I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (CT)

This company is repeatedly calling my elderly parents, inlaws and threatening legal action against me, sharing information with third parties, the language they use is abusive, threatening and they will not stop calling. They also call my work phone many times per day. They do not leave messages nor have I received any sort of debt validation. What they are doing is illegal. The most recent call was today to my work phone.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX on XXXX 30 days late as of XX/XX/XXXX on XXXX and XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had just received a letter from Portfolio Recovery Associates. Monday XX/XX/2018. The letter is dated from XX/XX/2018. Portfolio Recovery Associates claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from PRA requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter
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: Experian Information Solutions Inc. (NY)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX XXXX with a balance of {$1200.00}, XXXX XXXX XXXX with a balance of {$600.00}, XXXX XXXX  XXXX with a balance of {$1700.00}, XXXX XXXX XXXX XXXX  with a balance of {$3900.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 2024-11-15
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. (NJ)

I

am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains
inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal

disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2018 i sent letters to Portfolio Recovery Associates acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXX/XX/XXXXXXXX. I have also sent copies of debt validation letters to XXXX XX/XX/XXXX and XX/XX/XXXX only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by Portfolio Recovery Assoc. 

XX/XX/XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XX/XX/XXXX case # XX/XX/XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

On multiple occasions, via multiple methods, I have requested a refund for my credit balance of {$120.00}. I have even filed a complaint with CFPB regarding this issue. TD Bank responded to my CFPB complaint on XX/XX/year>, stating that they had already sent me a letter and issued the refund. I have never received any correspondence from TD Bank regarding this issue and I have NOT received a refund. My online account still shows a balance of - {$120.00}. I am at my wits end and am frustrated that the information provided by XXXX Bank to the CFPB regarding this issue was blatantly false. What are my other options? Is it acceptable for a company to falsely claim that a complaint is resolved, even though it is not, just to close out a complaint?