davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX  account # XXXX Account Name : XXXX XXXX account # XXXX Account Name : DEPARTMENT OF EDUCATION / XXXX  account # XXXX Account Name : DEPARTMENT OF EDXXXX XXXX account XXXX XXXX Account Name : XXXX XXXX XXXX account # XXXX Account Name : XXXX XXXX account # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX Account Name : XXXX XXXX XXXX XXXX account # XXXX Account Name : XXXX & XXXX XXXX account # XXXX Account Name : XXXX XXXX account XXXX XXXX Account Name : XXXX XXXX XXXX account XXXX XXXX 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank (NC)

I contacted First Progress Platinum Card through their customer service number provide on the back of the card in XX/XX/2021. ( XXXX ). I spoke with a customer service representative regarding the account and stated the I wanted paid the balance and clear the secured credit credit account and removed the card from my credit. The representative stated that he would not take the {$190.00} payment and the account was turn over to collection through they are reporting to the credit reporting agencies. I asked which collection company so I could handle the matter, the representative refused the give the collection company information. I have been unable to pay the amount for months and they refused to resolve the matter.
Consumer complaint received 2024-09-10
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Responded to an offer sent to platinum card members last summer to open a savings account with $ XXXX and earn XXXX points. Met the minimum required amount on XXXX XX/XX/XXXX, added another deposit, and have yet to withdraw the money from the account. The promotion stated that the account had to remain open for at least 90 days for the points to be earned. 
In XXXX or XXXX, I contacted American Express and a representative stated that the points would be applied in XX/XX/XXXX. 
In XX/XX/XXXX, the points were not applied, but I figured that perhaps there's a delay due to Covid. 
When the points hadn't been applied in early XXXX, I called American Express. A 30 minute phone call resulted in the agent stating that I did qualify for the points, but there was some type of system issue so they weren't applied. My name and number was provided for the company to reach out to me in 7-10 business days. No contact was received nor did I receive the points. 
My last attempt to resolve this was on XXXX XX/XX/XXXX. I spoke with an agent for more than 20 minutes who escalated the issue to the person in charge of the program. To this day, I have received no communication from the company ( other than the bill ). 
To clarify, none of the money funding the account has been withdrawn to this date. My rewards account still does not reflect the addition of the XXXX points that are due me.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why would I have to pay almost {$100.00} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
Consumer complaint received 2024-09-10
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a dispute to my credit bureaus on XXXX  for verification and accuracy of the bankruptcy entry appearing on my credit report. In the dispute I have also requested for them to respond to me in writing and to include the method of verification under FCRA611 ( a ) ( 7 ). This should include the following.

1.The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse.

4. Which document you obtained to verify the bankruptcy.

The response was Investigation Results-Verified as accurate with no further specifics.

I had also wrote a letter to the court for verification and they specify that the U.S Bankruptcy Court neither put a bankruptcy on my record nor credit report which is clear they do not report to any credit bureau for that matter. To their initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA 611 ( 15.U.S.C16811 ) and the Information must be deleted immediately.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

For over 2 years now we have been trying to do a short sale and we have run into a road block with the Jr. Lien at PNC bank XXXX After many conversations with PNC customer service department, I have been told that the asset manager that made the final decision on this file. PNC decision was insulting to say the least. Maybe they did not review the appraisal and payoff letters I sent you from the 1st mortgage lender XXXX XXXX. I have attached them hereto again for your review. Please note that the appraisal done by the 1st mortgage lender was a full interior appraisal XXXX value not a drive by like PNC Has done. Please note that there is over a XXXX discrepancy in the value from your PNC Drive by Vs. the 1st mortgage lender XXXX servicer. Also note that there are structural issues with the property. Also the Property has been listed for sale for over 2 years at XXXX with no offers. 
That discrepancy is too wide to be anywhere acceptable / credible. The only conclusion that can be derived is that PNC is being totally unrealistic in their evaluation. This can be considered acting bad faith in part by PNC to say the least. I call it malfeasants. 

The buyer was so distraught by your decision that he has directed me to help him negotiate directly with the first mortgage to buy the note and proceed with the foreclosure to remove PNC as the Jr Lien. That has already been put into motion. See attached letter to 1st Mortgage attorney. 

PNC has blown this approval and now very likely will receive no proceeds to settle this matter. You should reconsider to take no more than XXXX for this upside-down property and that's generous. 
However even this offer may be too late as Buyer has started the process with the 1st Mortgage lender to buy the note and continue the foreclosure.

Let me know ASAP.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of XXXX XXXX, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : 1. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/2024, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/2024, XXXX ) - XXXX Open inquiry ( XX/XX/2024, XXXX ) XXXX XXXX of XXXX XXXX  Open inquiry ( XX/XX/2024, XXXX ) XXXX *XXXX XXXX XXXX** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX ( {$1400.00}, XXXX ) - **XXXX  XXXX XXXX ( Late 180 Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - 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 **Fraud Alert : ** - A fraud victim alert is active on my **XXXX** file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal. 

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I am writing to express my frustration and disappointment regarding the negative reporting on my business credit card account with Chase Bank. The account in question has been reported as past due on my personal credit report, causing my credit scores to drop by XXXX points. This has made me ineligible for a mortgage, which has significantly impacted my personal and professional life. 

To provide context, I first contacted Chase Bank in XX/XX/XXXX to explain that I was unable to make a payment on my business credit card account because our vendor had not paid us. I made it clear that we would make the payment as soon as we received the funds from the vendor. However, despite this communication, the account was reported as past due on my credit report. 

In XX/XX/XXXX, I spoke with a Chase Bank representative about making a payment when the vendor paid us. However, the representative did not explain the terms and conditions of the account, which stated that the account would be reported as past due on my personal credit report. If I had known this, I would have made a payment in XX/XX/XXXX to prevent the negative reporting. 

I understand that it is my responsibility to make timely payments on my accounts, but in this case, the negative reporting was due to circumstances beyond my control. I feel that the lack of communication and explanation from Chase Bank has unfairly impacted my personal credit report and has had a significant negative impact on my life. 

I request that Chase Bank remove the negative reporting from my personal credit report, and take any other necessary actions to correct the situation. I have attached a copy of my credit report, which shows the negative reporting on my personal credit report. I would appreciate it if you could investigate this matter and provide a prompt response. 

Thank you for your attention to this matter.
Consumer complaint received 2022-10-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
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. (TX)

I am a victim of identity theft. There are accounts and inquiries that I was absolutely unaware of. I have no idea who has stolen my identity but this isn't fair that people can apply for things without my consent and it goes on my credit. Please remove these fraudulent acounts.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I turned in my lease vehicle on XX/XX/17. I cleared up all cost when the car was turned in. Later I got a bill from Toyota Motor Credit Corporation stating that I {$600.00}. I disputed the bill and had my lawyer write a letter explaining my position. I am adamant that I do not owe any money. I have sent numerous letters explaining my position and I never get a response from my letters I just get letters stating that I owe money. At first XXXX XXXX XXXX had this collection for XXXX XXXX XXXX ; now it has been transferred to XXXX XXXX collection and the the bill has now dropped down to {$100.00}. The address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Phone XXXX. 
I do not owe any money to XXXX or XXXX XXXX 
The amount in question is {$100.00}
Consumer complaint received 2024-11-14
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. (OH)

I am a victim of identity theft who has already submitted my notice of identity theft to the credit reporting agencies, Trans Union, XXXX, and XXXX. XXXX of the accounts resulting from identity theft were not blocked, deleted, nor removed. These accounts are : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX/Account # XXXX XXXX XXXX XXXX XXXX/Account # XXXX. As of now my credit reputation and character is still being damaged due to the inaccurate information and I am not requesting a reinvestigation in accordance with FCRA Section 1681i. I am expecting the credit reporting agencies mentioned in this complaint to do what is fair and equitable to me as a consumer by blocking, deleting, and removing the information identified as identity theft. See attached.
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (MI)

Sent a {$1100.00} check # XXXX mortgage payment that was received on the XXXX of XXXX signed for by XXXX XXXX ( sent XXXX mail tracking # XXXX ) as a result I have received a statement from XXXX indicating that the amount is double plus additional excuses for not posting the payment or looking into the matter. I was informed for XXXX weeks that the matter would be looked into and it would take about XXXX to XXXX hours, the time has lapsed and the matter has not been taken care of. I would like to know where to send the future mortgage payments since XXXX is not doing their job by posting payments causing a financial kerfuffle. 
This issue should have been resolved XXXX weeks ago but it was not.
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase. I initiated a {$12000.00} transfer from their website coming from my XXXX XXXX  account. The transfer was successful. Coinbase initiated a 2nd unauthorized {$12000.00} transfer that was declined by my bank. Coinbase then proceeded to remove XXXX XXXX ( XXXX ) from my account ( the equivalent of {$12000.00} ). There never should have been a second transfer attempt, Coinbase had the proper amount of money transferred to them, and they had no right to steal any of my assets. I have been emailing them and trying to contact them since XXXX XXXX. They do not have any way to contact them directly and they do not respond directly to my emails. I do not know what to do ... The attached file clearly shows the $ XXXX transfer from my XXXX XXXX account. The other attachment shows where I purchased XXXX then sent it out on XXXX XXXX. Then it shows a negative purchase ( removal ) of XXXX from my account on XXXX XXXX. They do not show and never credited me for the $ XXXX transfer shown in my bank statement.
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Dear Sir/Madam, Subject : Formal Complaint Against XXXXXXXX XXXX and Midland Credit Management and Request for Investigation and Compensation I am writing to formally request an investigation into the practices of XXXXXXXX XXXX and Midland Credit Management ( MCM ) regarding the improper handling and sale of my private medical information. 

Background In XX/XX/year>, XXXXXXXX XXXX  charged off a debt related to a XXXX account. I was informed that I could settle this debt for {$900.00}, and I paid {$880.00} over the years. However, MCM is now requesting a balance of {$4300.00}, which I believe is incorrect. Despite my attempts to have this debt validated, MCM has failed to provide proper documentation. Instead, I was simply told over the phone that the debt was valid and authorized by XXXXXXXX XXXX XXXX. Following this, I made an agreement to settle the debt and paid {$880.00}. Since 2018, I have been harassed with letters and phone calls from MCM, causing significant financial and emotional distress, especially during the pandemic. 

Violations by XXXX XXXX Violations of the Health Insurance Portability and Accountability Act ( HIPAA ) XXXXXXXX XXXX disclosed my private medical information to MCM without my consent, which is a violation of HIPAA.

Violations of the Gramm-Leach-Bliley Act ( GLBA ) XXXX XXXX did not provide clear and conspicuous privacy notices or an opt-out opportunity before sharing my personal information with MCM, violating the GLBA.

Violations by Midland Credit Management Violations of the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( Communication in Connection with Debt Collection ) [ 15 U.S.C. 1692c ] : MCM has repeatedly mailed letters and made phone calls to me at inappropriate times, causing harassment.

Section 806 ( Harassment or Abuse ) [ 15 U.S.C. 1692d ] : The persistent and aggressive attempts to collect this debt have caused me significant distress.

Section 807 ( False or Misleading Representations ) [ 15 U.S.C. 1692e ] : MCM has not provided clear or truthful information about the validity of the debt.

Section 809 ( Validation of Debts ) [ 15 U.S.C. 1692g ] : MCM failed to provide proper validation despite my requests.

Supporting Legal Precedents and XXXX XXXX v. Midland Credit Management , Inc. : This case highlighted the necessity for MCM to provide clear documentation of the debts validity. Failure to do so can result in legal action against them. 
XXXX XXXX Midland Credit Management , Inc. : Demonstrated the importance of proper debt validation and adherence to FDCPA requirements. MCMs failure in this regard has been successfully challenged in court. 
CFPB Settlement with Midland : In a significant action, the CFPB settled with MCM, requiring them to pay consumer redress and a substantial penalty due to their deceptive practices, lack of proper documentation, and attempts to collect time-barred debts.