davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
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. (TX)

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Consumer complaint received 2024-11-18
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. (FL)

I notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. experian and transunion company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXL XXXX, XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/ I reviewed my latest bank account statement. In the process of reviewing my account statement noticed 3 ATM withdrawals that were not made by me ( at least to the best of my knowledge ). A total of {$1500.00} were withdrawn on 3 separate days .... XXXX ) {$500.00} withdrawn on XX/XX/XXXX  .... XXXX ) Another {$500.00} withdrawn on XX/XX/XXXX, XXXX. XXXX ) a third withdrawal was completed on XX/XX/XXXX  for the amount of {$500.00}. I notified Chase Bank who investigated. Chase informed me that the withdrawals were may by me. I asked for evidence and I was told that they not collect this type of evidence. I believe that Chase either owes {$1500.00} or evidence that supports their investigation. In general, I do not make ATM withdrawals of more than {$300.00} at one time.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

addition to complaint XXXX Provident is now asking for duplicate documents, typo correction from insurance company on documents they have had for weeks, wife 's professional licencse ( even though two years complete XXXX 's provided as well as employment verification through the state of FL ) and now want us to execute a new sales contract extending the closing date past XXXX/XXXX/16 even though contract already has a built in extension for compliance with CFPB rules.
Consumer complaint received 2016-02-25
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX mortgage with Capital One bank. Interest payment jumped from $ XXXX/month to $ XXXX/month. No one can explain why. Then they decided they wanted the loan repaid immediately. They could not maintain employees as every time I called the previous person was no longer with the company. We would have to restart from scratch with a new banker. I have turned in their requested paperwork to at least XXXX employees via fax. The most recent phone conversation said the loan application was closed because I did not send in the requested paperwork which is false. Also during the most recent phone conversation the lady said she spoke with my on XXXX XXXX which she did not. I had to keep calling to get someone 's attention.
Consumer complaint received 2015-04-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. 
But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (PA)

a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Inquiries that I did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

My husband took out this school loan, and I was the co-signer due to his credit. I was n't thrilled with being a co-signer but I did it XX/XX/XXXX.My husband tried to resolve the monthly payment situation with Navient for XXXX XXXX , but it was not getting resolved due to some late payments by him, Navient was calling incessantly and harasssing me to pay his school loan off. I told them '' I not a bank '', an can not afford to pay this total amount. I asked to be taken off the loan as co-signer. I do n't want or need the headaches, or harrassing calls from Navient. XXXX and XXXX from Navient XX/XX/XXXX, told me If I were to pay them, {$4000.00}, I would be released as Co-Signer, of the student loan, and I would never receive any negative information on my credit report pertaining to this. XXXX and XXXX told me that the credit report would say- '' paid in full, satisfied loan requirement. XXXX Balance for Co-signer When I pull up my credit report all ( XXXX ) companies have reported it as a Charge off, Bad debt, Unpaid balance and reported as loss. I would have never ever paid them XXXX to still have this negative information reported on my report. They took my money, and did not honor their side of the agreement. If I did not pay them the XXXX dollars my report would still say the exact same thing. Navient is a big scam!! I would like to get my money back and find out who really took it. I spoke with XXXX and XXXX in XXXX 2014. Please research this. Their phone number is XXXX Also all the harrassing phone calls. 
My husband attended a XXXX School online through the XXXX.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NV)

I moved from XXXX to XXXX in XX/XX/XXXX. My old cell phone company at the time ( XXXX ) did n't work at my new home, so we reached an agreement to quit my service so I could switch to a cell phone provider that works. Since XX/XX/XXXX I 've had XXXX, just passing my 6 year anniversary with the company in XX/XX/XXXX. In XX/XX/XXXX Convergent Outsourcing Inc which I believe to be located at Convergent Outsourcing , Inc . 
XXXX, XXXX, XXXX, AZ XXXX, placed a collection in my account representing XXXX for {$520.00}. This practice of placing a false debt on someone 's credit reports is illegal. Even more illegal is misrepresenting the time period of account in question. The collection account in question has been placed on my XXXX and XXXX credit reports and has no representation of my credit worthiness, and I 'm now stuck with a sub par credit score and one of the worst possible statuses on a credit report. Because the collection is so recent, it factors deeply into my credit score and has caused me a burden of applying for credit in the future. 

This account needs removed from both credit reports as it is false debt that has been misrepresented by this company. 

I look forward to your response.
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Optimum Outcomes, Inc. (NC)

I have several hospital debts that have been referred to Optimum Outcomes. Unfortunately, this debts were billed and made known to me after I filed for Chapter XXXX bankruptcy in XX/XX/2015. My Chapter XXXX was confirmed around XXXX 2015. I keep receiving letters from Optimum Outcomes for accounts related to XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX for lab work. 

Currently, I am in XXXX XXXX bankruptcy and under law, they can not threaten to sue me or put a judgement on me while I am in Bankruptcy. Prior to filing for Bankruptcy, I attempted to obtain financial assistance from XXXX XXXX and they refused to provide any charity assistance. This puts XXXX XXXX 's non-profit status into question. Perhaps the IRS should look into their qualifications for having a non-profit status.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CO)

On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX  XXXX/XXXX  XXXX, XXXX  from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except Equifax, where my credit score had dropped. I have contacted Equifax over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX  XXXX. On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you. 

Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my Equifax credit report.
Consumer complaint received 2024-11-18
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. (GA)

Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX Transunion ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX
Consumer complaint received 2024-11-18
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. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$5500.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/2015, my house XXXX flooded. When I received the disbursements from the insurance company, I sent the checks with copies of the Proof of Loss and the contractor 's estimate to USAA XXXX our mortgage company ) and waited for the check. 

On Friday, XXXX XXXX, XXXX, I called and asked the status of the first disbursement for the contractor and was told that my information has been received and input on XXXX XXXX, and it would take 5-7 business days to send the check. 

I called back Friday, XXXX XXXX, XXXX and was told the 5-7 business days was for processing time and that the check would be mailed in 24-48 hours. 

I called back on Wednesday, XXXX XXXX, XXXX and was told my packet was missing the Proof of Loss from the insurance company and the contractor 's estimate and that nothing could be done until they were received. I was given an email address to send electronic copies to and sent that email XXXX. 

I called back Thursday, XXXX XXXX, XXXX and was told that it would take 24-48 hours to input the documents and that the check would be sent after that. 

I called back Monday, XXXX XXXX, XXXX and was told everything was cleared and that the check would be going out. 

I called back Tuesday, XXXX XXXX, XXXX to insure the check had been mailed and was told it had just been released and would be mailed on Thursday, XXXX XXXX. 

I called back Thursday, XXXX XXXX XXXX and was told that my file was missing the contractor 's estimate. I asked to speak with a supervisor who looked in my file and said she saw something from the contractor that said how much the repairs were going to cost. 

Regardless of whether the contractor 's estimate is actually in their possession XXXX the number she quoted off it made it clear it is XXXX, the fact that they have repeatedly told me that the check is going to mail soon and then continually delaying the process is entirely unacceptable. Losing paperwork on multiple occasions smacks of willful negligence. USAA purports to serve service members and veterans, that I and my family has been treated so poorly is beyond my comprehension.
Consumer complaint received 2023-06-21
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: National Credit Adjusters, LLC (FL)

XXXX XXXX XXXX Date : XXXX XXXX Amount : {$530.00} They did not notify about a pay day loan being reported to the credit bureau, while I was making payments.
Consumer complaint received 2023-04-20
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (KY)

XX/XX/2023 at XXXX {$500.00} decline to XXXX XXXX XXXX XXXX. XXXX decline XXXX XXXX XXXX XXXX again {$500.00}. Again XXXX XXXX XXXX XXXX {$200.00} Again XXXX am {$300.00} XXXX XXXX Again XXXX XXXX {$300.00} XXXX XXXX XXXX. My card then is paused and unpaused XXXX  times between XXXX XXXX until XXXX XXXX At XXXX another XXXX XXXX For {$100.00} XXXX XXXX transfer. At XXXX {$20.00} XXXX XXXX XXXX XXXX At XXXX {$20.00} XXXX XXXX XXXX Then at XXXX XXXX decline daily spending limit. At XXXX decline. At XXXX XXXX XXXX {$500.00} XXXX At XXXX XXXX a money order purchase at USPS for {$1000.00} was purchased. At XXXX {$500.00} ATM XXXX Again at XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}. ATM decline XXXX and XXXX XXXX. Card is paused and unpaused again XXXX XXXX XXXX XXXX  decline at ATM. At XXXX paused and unpaused again at XXXX XXXX. At XXXX another ATM attempt card upaused again at XXXX. At XXXX XXXX XXXX transfer {$250.00} XXXX. XXXX {$250.00} XXXX XXXX at XXXX {$300.00} XXXX XXXX XXXXXXXX. At XXXX {$100.00} XXXX XXXX XXXX at XXXX card paused again pin gets changed at XXXX XXXX Again. I'm seeing the pattern of Such fraudulent activity that it is overwhelming. The bank should have never let this happen to me.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC. (NY)

I received a solicitation to open a checking account which promised a {$600.00} bonus after {$5000.00} was deposited into the account and held there for 90 days. The account was opened on XX/XX/2022 with XXXX XXXX at the branch. 

Approximately 2 months later, the account was closed without me being informed and a check was sent to the wrong address, just as the 90 day account bonus was approaching. I never received the check which was fraudulently cashed once again without me being informed. 

Early in XXXX of XXXX I discovered this and initiated a process with the fraud department. It is impossible to actually speak with the fraud department and I have to call the regular customer support line which can not locate the account as it is closed. At this point I have spent countless hours with customer support, where despite me providing all the account information my claim could not be located. The fraud department only communicates through mail which frequently gets lost on their end. I have had multiple assurances from customer support that the claim will be settled as soon as possible. I have made multiple visits to the branch which was the only way to move the process forward with the fraud department. Ive provided all the required information by the fraud department only having to send certain things 3 times because it was never received even though it was XXXX  directly from the branch. At no point was I contacted by anyone to update me on the progress of the claim. 

As Im approaching an XXXX  months mark of opening this account, Im becoming convinced that the bank has multiple deficiencies in account management/tracking, internal controls, customer communication, and fraud processing. Furthermore, it was never explained to me why my account was closed, leading me to believe that the bank was trying to avoid paying the {$600.00} bonus indicating false advertising. 

Despite multiple failures on their part, the bank is still not willing to work with me to return my hard earned money
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (PA)

Fraudulent inquiries appearing on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX