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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to file a formal complaint to TRANSUNION regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the TRANSUNION will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

This complaint is in regards to my old Citibank Credit Card debt, which was turned over to XXXX XXXX XXXX XXXX. I had been paying XXXX {$140.00} per month to pay down this debt. 

On XXXX XXXX, 2017, my bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) sent a check to Citibank in the amount of {$2700.00}. This check should have gone to XXXX to pay off this debt in full. This check was cashed, however, by Citibank and not forwarded to XXXX. Citibank contacted by mail, XXXX XXXX XXXX, stating they needed more information regarding who the check belonged to, etc., and sent them a copy of the cashed check. XXXX tried to fix this situation and submitted the info. they requested. XXXX never heard back from them, after repeatedly trying to contact them. I also tried calling, mailing and faxing Citibank SEVERAL times, as no one I spoke to seemed to know the telephone number of the Citibank Payment Investigation Department. 

I have contacted XXXX ( XXXX XXXX at XXXX ) and explained to him the situation, that Citibank cashed the check, which should have gone to them. He was very understanding, however, they would like to receive their payment, in full. This has impacted my credit  score, as well.
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

capital one has made a blanket decision to block ALL cryptocurrency related transactions, claiming volatility and fraud. i have confirmed that i am making the purchase and still they refuse. i pay my bill on time every single month. this is an obvious attempt to prevent the cryptocurrency from taking part of their profits and therefore illegal. when did preventing free market and competition become acceptable in this country? might as well move to a corrupt country like XXXX. class action lawsuit is inevitable.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX FIN Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-01-12
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. (AZ)

we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
Consumer complaint received 2018-01-14
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. (NJ)

in XX/XX/XXXX i obtained a loan from XXXX XXXX XXXX. in XX/XX/XXXX i was informed online payday loans were illegal in the state of NJ. I called NJ dept of banking and insurance for assistance with this issue. they responded to XXXX XXXX on XX/XX/XXXX and forgave the loan ( see attatched ). Since they forgave the loan they have reported this as a negative on my credit report. the letter states they forgave the loan and closed the file. I want this negative item removed from my transunion report because the information is inaquate.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I was approved for a Capital One Credit Card ending # XXXX and been making timely payments over {$25.00} in which I pay {$100.00}, {$150.00} and {$300.00} to keep my utilization usage under 30 % so my credit scores keeps increasing. 

On XX/XX/XXXX I applied for a Capital One Visa Card and I was declined because of my XXXX and Retired status and Lifetime XXXX Pension Retirement Income in which I receive monthly of {$4500.00} with a 3 % percent COLA increase every year on XXXX XXXX.as my XXXX income and Cost of Living increases is Lifetime. 

On XXXX XXXX I received a very Retaliating and Discriminating against me as a XXXX XXXX Military XXXX. 
Letter stated that a payment was returned in which this is false accusations I called Capital One and my XXXX XXXX to stop the payment as I implemented another payment amount of around {$150.00}. 

Than XXXX letter says that my average monthly payment has been low, and this is not true, because if Federal Government can conduct a investigations. 
Capital One can be subpoena for my payment history on Federal Investigations in which I am requesting. 
Mt Capital One Mastercard # XXXX limit was {$500.00} than around XXXX.or XX/XX/XXXX I receive a {$250.00} credit increase in which it made a credit increase of {$750.00}. 
With my credit scores of XXXX I should have received a higher credit limit as I am in California and Cost of Living is expensive. 
Also, {$750.00} is not enough for travels as a major credit card is needed to travel and rental cars, etc. 
I am XXXX Lifetime and Capital One has violated my XXXX XXXX XXXX.under Department of Justice.
Consumer complaint received 2018-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion Failed to Respond to my dispute after 2 requests have been made. 

On XX/XX/XXXX- I made an online dispute of 2 items on my credit report -which are really hindering my credit hence my future. I received no response. 

Secondly on XX/XX/XXXX - I wrote transUnion via certified mail return receipt- regarding their failure to respond within the required 37 days as stipulated under section 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Yet again I received no response. 

TransUnion-has been unresponsive to both attempts, it has now been over 3 months from the original dispute. 
Attached please find copies of the corresponding documentation.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NJ)

I recently filed a complaint about XXXX XXXX XXXX a Division of MidFirst Bank on XX/XX/2017 through the Office of the Comptroller of the Currency. My issue was that they would not release funds for me to rebuild my home after a category three sewage problem damaged my home on X/XX/2017. Finally in XX/XX/XXXX after I submitted my complaint they began to release the first payment. The problem with that, was they sent the check in the name of the Contractors buisness and I was not able to prevent any fraudulent action or actions from taking place. I did not know if the Contractor would take my money and run!!! When I addressed my concerns to XXXX XXXX XXXX, they said that only the first check would be in the Contractors name the rest would come directly to me so that I would be able to dispense the money as needed. After the work began and I needed more money for materials, XXXX XXXX XXXX said that they needed an inspection of the property. The inspector came and did his job and submitted his findings, which were satisfactory to XXXX XXXX XXXX. As it stands I expressed my concerns about allowing someone to control my funds to rebuild my property!!!! The Mortgage Company insist this is how it will be done until the Contractor states that he is finished with the property. I feel as though the Mortgage Company is committing an Nefarious Act against me, this is my home and it is in my name and I still pay a mortgage on this property. I have no say in anything as far as the Mortgage Company is concerned ... .it is not fair and truly unjust. In today 's society we have to constantly stay aware of those we believe we can trust. It took my life to own my home and I am not willing to allow someone to take it all away from me because of an Nefarious Act that is being committed against me. Respectfully Submitted I would truly appreciate your help concerning this matter!!!!!! Thank You
Consumer complaint received 2018-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Inquiries listed below, are what needs to be removed : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for Capital One, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX  report.
Consumer complaint received 2019-03-20
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. (CO)

XXXX ; Experian and XXXX  are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from XXXX XXXX XXXX requesting payment of {$82.00} for services rendered at XXXX XXXX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from RMP. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

XXXX XXXX XXXX called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the XXXX XXXX XXXX letter but their information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ERC (MO)

MY spouse received a call XXXX/XXXX/18 on her personal cell phone with this company stating they need a call back. They will be out to my house or work with some documents that will need a signature. Called back found out there are a collection agency acting threating to serve papers if balance is n't paid. I am also bothered they called my wife & discussed my debt she is n't even on & left a voice message on her phone threating to serve me with a wage garnishment.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

yes get a hold of the XXXX XXXX on this account because this was to be a buy at XXXX for 84 months and the guy tried to pull one on me by putting this as a lease at 48 months at XXXX dollars a month so i lefted the vehicle there a the dealership and i did not want it because he lied to and now it is showing up on my credit report as dedit and i want it off of my credit because they where to throw the lease paper work up and this vehicle was lefted at the dealership and i do not want this new vehicle so get a hold of XXXX XXXX and get this off of my credit thanks you can call me at XXXX
Consumer complaint received 2018-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Payment was made via authorized direct-from-bank-account payment on XX/XX/XXXX for {$3600.00}, the full amount of loan no. XXXX. Navient acknowledged payment on XX/XX/XXXX. By XX/XX/XXXX, Navient had not taken payment, and additional interest had accrued. Another direct-from-bank account payment of {$1.00} was made to cover the additional interest, and Navient acknowledged payment on XX/XX/XXXX. As of XX/XX/XXXX, Navient had NEVER taken payment, and additional interest had again accrued. Checking the account online, both payments were listed as " reversed '' each ON THE SAME DAY they were made. No notice was given of this action, and no inquiries were received as to any problems. The funds remain in the bank account in full, and no response has been received from Navient. This appears to be a deliberate and intentional effort on Navient 's part to refuse to accept payment in order to increase interest costs.
Consumer complaint received 2023-08-10
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Collection Services, LLC (NJ)

XXXX XXXX XXXX contacted me by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX telling me that I owe {$1000.00} to XXXX XXXX XXXX. I do not owe this, as I settled the matter with XXXX on XX/XX/XXXX in a mutually agreed settlement. I provided XXXX XXXX XXXX with proof of XXXX XXXX acceptance of the settlement on XX/XX/XXXX in response to their first collection letter and explained to them that no debt exists. They have ignored this and continue to bill me. The only thing they have sent me besides letters demanding payment is an irrelevant copy of a patient agreement with XXXX from before the settlement. 

The Fair Debt Collection Practices Act forbids attempting to collect a debt that is not valid. In this case, XXXX XXXX XXXX knows ( or should know ) that there is no valid debt. I have provided proof that there is no valid debt, and they do not dispute my evidence, but they continue to send letters demanding payment, in violation of the Act.
Consumer complaint received 2018-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX and I had XXXX XXXX and XXXX this year which caused me to become behind on this mortgage. We can no longer afford to keep the home and we are listing it for sale XXXX XXXX. We have tried several times to get assistance and the only options we have received were a very expensive repayment plan that we have managed to keep. Our last payment we made was a few days over our deadline. They took the payment and I called our point of contact and left a message that we needed our repayment plan reinstated. We were told it would be reinstated after the payment cleared. It did clear. But no reinstatement. 

I went online to schedule our XXXX payment and it says that this loan is 3 payments past due. They did not infact reinstate our repayment plan because if they did I would be able to schedule a payment. I have called and left messages and we never heard back from our point of contact. 

Its hard enough having XXXX, its even harder when everyone shuts the door on you to get no help. Its hard enough trying to hold onto the property until we sell. There is a lot of equity in our home and it is all I have to relocate and start over so I can maintain my help. I am not asking for a handout. I would like short term forbearance so we can sell. 

I told XXXX that I would send them the listing agent form that we signed to show its going on market. Still no help, nothing. They will get all their money when they sell. 

Its very sad that I will have to file chapter 13 just to protect the equity if we get no help. Please help us.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IA)

I looked on Equifax website to discover I was probably affected by Security Breach in 2017. Trying to reassure myself Equifax might be worthy of protecting me with its free offer I read as much as I could about the offer. I called the number offered for learning about insurance offered as part of XXXX XXXX credit monitoring product. Unable to get any information about the insurance product offered : what it actually does cover.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX