davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX, XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

Comenity Bank continues to call and harass me and my wife also hides their numbers to unknown. Also they continue to say I need a lawyer cause they are going to ruin my credit. Well its already ruined. I lost my job due to Covid, I became sick and I am XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ONE ACCOUNT- XX/XX/XXXX - XX/XX/XXXX -- -- - ACCOUNT TWO -- XX/XX/XXXX -- XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX  Attorney General
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account : XXXX XXXX XXXX  XXXX XXXX account is inaccurate, reporting that I was 120 days past due on a closed account. This information is inaccurate. I was never late, and this account was never mine. Which is why its closed. Im unsure why its even on my report. Ive tried multiple times contacting the university and the reporting agency transunion, and have received no help. 
This account started reporting in XXXX even though it was supposedly opened in XXXX.
Consumer complaint received 2023-07-01
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)

Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charged Off ) MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (TX)

2nd ATTEMPT- Accounts # XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Are Showing a LATE PAYMENT/CLOSED ( can NOT be both ) on my credit report.. 
The Credit bureaus stated my account was properly investigated but how is that possible the date last active is inaccurate, and date last reported is not accurate. This ground for removal ..SO MANY OF MY RIGHTS HAVE BEEN VIOLATED!!!! 
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 Also the Credit bureaus took more than 30 days to complete my investigation In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXXXXXXXXXXXX has violated my rights. 
15 USC 1666B -states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
15 USC 1681 B - permissible purpose of consumer reports 15 USC 1666 - CORRECTION OF BILLING ERRORS
Consumer complaint received 2023-06-30
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: WELLS FARGO & COMPANY (FL)

I have recently been informed that there is negative information reported by Wells Fargo bank in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, 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. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (OH)

XX/XX/XXXX Dear CFPB, On XX/XX/XXXX I bought my leased XXXX XXXX XXXX and financed it through the XXXX XXXX XXXX XXXX. 

VW XXXX was to send my credit union the title so that a change the lien holder to XXXX XXXX XXXX XXXX could be made. 

On XX/XX/XXXX my credit union received a title from VW XXXX that turned out to be " inactive. '' My Motor Vehicle agency informed me that my credit union needs to be given the current title which is Title No. : XXXX with Control No. : XXXX and VIN : XXXX. 

This title needs to be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have attempted numerous times to contact VW XXXX  by telephone and no one picks up the phone, all I get is eternal hold verbiage. 

My credit union needs the title to this car so that I can have my Motor Vehicle agency record XXXX XXXX as the new lien holder. 

Please help me acquire this title from VW XXXX. 

I will include the contact information that I have on file for VW XXXX. 

VW Credit XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX. 
Compliance Consultant - VW Credit ( XXXX ) XXXX NOTE : I visited the BBB website and discovered that there are hundreds of fellow VW XXXX holders who are experiencing the same lack of cooperation and communication from VW XXXX. 

https : XXXX Kind regards, Pastor XXXX XXXX
Consumer complaint received 2023-06-30
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. (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.

has violated my rights. Or 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 2023-06-30
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: Experian Information Solutions Inc. (MD)

THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.
Consumer complaint received 2023-06-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

On XX/XX/2023 I submitted for a Loan with Navy Federal Credit union my Loan Processer was XXXX XXXX received my approval letter. I received my pre-approval letter XX/XX/2023. On XX/XX/2023 I ask for an extension because the first approval letter was getting ready to expire and I had found home that my wife and I like and wanted to purchase. It was approve also XX/XX/2023 the problem I am having with the denied loan is that I we set to get a closing day but instead was told it was denied because of a LLC that we have and last year had a lost of {$3000.00}, this information was disclose to them in the beginning before I order my home inspection and appraisal the appraisal and home inspection was accepted by the bank. I have a email from XXXX XXXX another processor ask me to submit a letter proving that LLC is close. Because that what the issue was. We gave authorization for them to pull taxes XX/XX/2023 and also sent by XXXX XXXX there down load app we sent them again XX/XX/2023 again assuring us that everything was good to go. I feel that they plenty of time to work with me about the LLC. I feel that I was
Consumer complaint received 2023-06-30
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. (MD)

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 XXXX XXXX Account number:XXXX  Account name : XXXX/XXXX Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX/XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or 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 2023-07-01
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. (NV)

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.

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 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

American Express not honoring the promotional language on the website + commitment of their agent. 

American Express offers Platinum cardmembers access to Fine Hotel & Resorts ( FHR ) which gives card members benefits such as XXXX late checkout, free daily breakfast, and on-property credits. The XXXX XXXX XXXX XXXX for XXXX showed up listed for a 25 % discount off nightly room rate in addition to Fine Hotel & Resorts benefits. 

On XX/XX/XXXX, I called American Express because the website was not applying the 25 % discount. American Express representative called XXXX XXXX XXXX to honor the rate and after multiple hours, she called me back to inform me that XXXX XXXX XXXX would honor the 25 % discounted rate and offer the FHR benefits, but I would need to call back in the morning because she got disconnected and when she tried calling back, they informed her that the In House Reservation desk had closed for the night and I would need to try the next morning to finalize the booking. 

When I called back the next morning ( XX/XX/XXXX ) and explained the issue to the new Amex representative XXXX XXXXXXXX XXXX, she informed me that the XXXX XXXX XXXX would not finalize the booking at the 25 % discount + FHR benefits. I asked to escalate the case to a supervisor, the supervisor ( XXXX XXXX confirmed that I would not be able to get the 25 % discount + FHR benefits. I requested for the issue to be further escalated. She informed me that the best she could do was file an internal complaint ( XXXX ).
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I lost {$1000.00} cash right in front of my eyes on XX/XX/23. It was so bewildering that I'm reaching out here. On XX/XX/23, around XXXX PM, I went to the PNC bank Mt. XXXX XXXX to deposit a total of {$2000.00}, consisting of XXXX {$100.00} bills. 

There was XXXX teller attending to another customer at the counter, so I filled out a deposit ticket. When it was my turn, I handed the cash and the deposit slip to the XXXX teller who was wearing a mask. We engaged in small talk about the mask. I couldn't see what she did with the money afterward because the area visible to me was narrow. 
Then the teller told me that I only gave her {$1000.00}, despite me double-checking that it was {$2000.00}, both before arriving at the bank and after. I explained this fact to her even after we arrived at the bank, but her response was that she only received {$1000.00}. The teller started counting the money and claimed that her balance was correct. I was dumbfounded because I was certain that I had brought XXXX {$100.00} bills with me, and I confirmed it before leaving and after arriving at the bank. 

In the meantime, another customer overheard our conversation and suggested that it would be best to report it to the police. So I immediately reported the incident to the police. Shortly after, an officer arrived, and I explained the situation, but the bank representatives said that all they could do was check the balance after completing their tasks. Later, around XXXXXXXX XXXX, the branch manager arrived at the bank and repeated the same story. So I waited in front of the bank until they finished checking the balance. 
It was past XXXX PM when the bank manager informed me that the extra {$1000.00} was not found after confirming the balance. 
Then, the only thing left for me to do was to contact the police and request XXXX footage review. I left a note requesting the footage review. Now, it seems like this is all I can do, so I'm leaving this message here. Please, help me find the missing {$1000.00} that disappeared right in front of my eyes. I feel incredibly unjust about this. 

I reported the incident to the bank 's customer service call center, but I haven't received any response. The branch manager mentioned that they would conduct an internal investigation, but they said that they wouldn't contact me separately. It's really disappointing that the bank is not taking any action in this situation.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

I looked at my XXXX credit report ... and there is a discover card open in my name that I dont recognize and its has a XXXX balance on it and it was open in another state and its has a Washington address on it and I never lived in XXXX Washington .... and I disputed with discover and they put that account on my credit report and never ask for a police report from me .. and my credit is damaged and the fraud reps were rude to me and I cant get this account off my XXXX  credit report .... and I never applied for it .... the account number is ending XXXX and I lived in Texas that matches my driver license and I only applied for a discover secured card dating back in XX/XX/2017 that I paid off ....
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filed a complaint with the Consumer Finance Protection Bureau a few days ago against Bank of America and XXXX XXXX XXXX. 24 hours after filing the complaint, which had nothing to do with the information reported by Bank of America on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from Bank of America Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX XXXX   settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the Bank of Americas unethical business practices. I called Regulatory Compliance   at Bank of America 10 times yesterday and they never returned my call. The EOscar system is being abused by Bank of America and it's a violaion of of my rights