davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have sent 3 dispute letters to all three credit bureaus Transunion, XXXX, and XXXX to correct my personal information, and yet it has not been done. 

Under the Fair Credit Reporting Act ( FCRA ), specifica

lly 15 U.S.C. 1681i and 15 U.S.C. 1681c, I have the right to dispute any inaccurate information and request that it be corrected promptly. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information, and I trust that you will make the necessary corrections promptly. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I expect to receive written confirmation of the outcome of your investigation and a corrected copy of my credit report.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal is constantly holding on to my money! I sold an item on XXXX and I can not withdraw funds. They keep holding on to it by saying we need more verification. Give us 4 to 5 business days. I submitted everything but theres no response! Please investigate. My money is being hold by them unavailable for no reason.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/2021 I was summoned to court because of a debt that was said to be mine, I denied the debt while in court, and stated that I wanted to see if we could come to a settlement. A letter was sent to me with the stipulations of the settlement, and I have been paying the settlement every month, but I couldn't sign something that I didn't agree with. After speaking to my attorney, I was told that I can fight this. So on XX/XX/2021 I sent a letter to Midland Credit Management sighting all of the laws under the FCRA that have been violated. I have attached the letter to this complaint. But in short, this is what I am demanding : According to 15 USC 1692i ( b ) Authorization of actions - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Further 15 USC 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681n ( a ) IN GENERAL - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

At this time, I am demanding that this case be closed, this be removed from my credit report and actual damages be paid out as a settlement to my in the amount {$2400.00}. This includes the ( 2 ) two listed violations that your company has committed and the ( 5 ) payments of {$98.00} ( totaling {$490.00} ) have been paid to your company as of XX/XX/2021. 
Please send the settlement letter with the details that I have included in this letter, to the above address I have provided ; I am expecting to have this matter taken care of within the next 30 days.
Consumer complaint received 2024-09-09
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-03-14
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2024-09-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : ( XXXX ) XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion , LLC XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes. 

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 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 Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to address a problem with my credit scores, and the credit report agencies that report those scores. the biggest problem is my FICO. 
Transunion, XXXX, and XXXX FICO scores are also affected.

Believed Negative Credit Profiling I understand that credit scores can vary widely by company and race. This is factual. 
For example, in XXXX, the average FICO score for XXXX in XXXX  communities was XXXX, compared to XXXX for XXXX communities and XXXX for XXXX communities. 
CREDIT CARD DEBT BY RACE XXXX % carries a balance among cardholders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX While I carry less than XXXX % of {$50000.00} PLUS- in credit card availability, with an XXXX XXXX XXXX XXXX XXXX card at my disposal in my company name, and documented on-time payments for SEVERAL YEARS, the credit agencies ( FICO BEING THE MAIN ) have my credit score remaining in the mid to upper XXXX. 
This I suspect is negative credit profiling based on my race. 
If I spend less than $ XXXX of my available XXXX in credit card availability, with an income of over $ XXXX per year, why are my numbers held so low? Most debt except for my automobiles is paid in full at the end of each month, similar to a net XXXX account. When my numbers rise, at best they rise marginally.

THE BOTTOM LINE Average credit scores in the U.S. differ by race, age, and other factors. At least part of that concerns the factors that go into computing credit scores and how those factors are weighted, which tend to benefit some groups more than others. It appears that my credit score is suffering because of one or more of those factors! 
Attached are snapshots of my statement/payment profiles for various open accounts. 
I ask that the CFPB investigate this matter to maintain fair credit reporting. 
Thank you in advance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these XXXX years because I was preparing myself to work as a XXXX XXXX because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.
Consumer complaint received 2024-09-09
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

My stimulus payments continuously go to the wrong account, Ive tried to fix it through the irs and at one point my bank was able to reverse the funds however they arent doing that or rejecting it from that invalid account which cause me to not get my stimulus. Ive tried everything and have been told theres nothing we can do even though theyve done something before, Im struggling like everyone else and dont want my XXXX to go somewhere else. Please help
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings (AR)

IQ Data called and threatened to seize my Social Security XXXX and sought my Veteran benefits in order to collect on a debt which I dispute. They also refused to send me paperwork to document this debt when I asked for it in order to review by an attorney and myself as well as making sure this not some scam call. No account number was given. They said they would initiate state mechanisms to collect their disputed funds. I was intimidated into offering up my limited financial reserves in order to protect my desperately needed SSDI to keep a roof over my head. I am retired, have health issues ( hence the XXXX ) and have limited human contact. Once she found out I was retired and on XXXX she really turned up the heat accosting me. It feels like elder abuse as well.
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

I have tried to apply for a loan modification in the beginning of XX/XX/XXXX, I have submitted all documents they ask for, and at the end of the process they ask for things that have either been settled, or have never ask before, the issues they ask for documentation for was the following : proof of a child support lean ( state of Iowa ) was taken off of title, I gave them documentation of child support payments stopped back in XXXX in a court order. I gave them the court documentation and also documentation from the Iowa Child Support recovery unit. Second they ask for proof that they ex wife did not have any stake in the property, I have them a copy of the divorce decree, stating that my ex wife did not have any stake in any property that I own. The last thing they ask for was proof of mortgage of the address XXXX XXXX XXXX XXXX, XXXX IA XXXX, due to I collect rent for this address, this is the other side of the duplex that I currently have a mortgage with Community Loan Servicing. They are asking for a proof of mortgage of a property that they are the lender for! I have I have given them a copy of the assessors site page showing my house is a duplex, but also I gave them a letter from the City of XXXX IA, stating that both XXXX and XXXX XXXX XXXX XXXX, XXXX IA XXXX is the same building, and that they and the assessors office only references the XXXX address as it is the parcel address that they use for tax purposes. I have given this information before the suspense date that they gave for receiving documents, but they still declined my applicant stating that I did not fulfill the documentation requirements, which is False!!!!
Consumer complaint received 2021-03-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.
Consumer complaint received 2021-03-13
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. (AL)

I saw an account pop up on my credit report listing me as an authorized user for a credit card account with XXXX. I do not have a credit card with XXXX, I have not applied for credit with XXXX, and I have no knowledge of this account with XXXX. I started a dispute through Experian and XXXX  online. The results came back that the entry remains. I contacted XXXX and they have searched my social security number, and have no record of a credit account or authorized user account with my name. Experian will not remove this fraudulent entry, and it is adversely affecting my credit rating. The account they are reporting has been updated by XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX ODE XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

XX/XX/XXXX logged onto il state website to make payment plan and tried to use letter code to plugin to the system. Received message that it was not valid. 
Date of XXXX XXXX XXXX, XXXX Letter ID - XXXX Popup on screen indicated that the letter could not be more than 90 days old to be valid, allowing me an additional 13 days before expiry. 

The first thing I did was to fill out and send a payment plan with installment down payment of {$100.00} paid {$100.00}. ACH through my bank. 

XX/XX/XXXX at XXXX XXXX  central I made ACH payment request Confirmation number : XXXX  Email Address : XXXX Request Type : XXXX Payment XXXX XXXX XXXX XXXX Amount of Request : {$1100.00} Reporting Period XX/XX/XXXX Date of Debit XX/XX/XXXX My confirmation letter states : If you would like to withdraw payment before it is processed by the Demartment, you may do so using the confirmation and email address listed below. 
XXXX XXXX On Tuesday XX/XX/XXXX, XXXX XXXX I spoke with XXXX XXXX and he explained I could pay the bill in installments that week on the website. He advised me not to overpay and confirmed I could withdraw the ACH request during business hours up to Wednesday, XX/XX/XXXX by calling them as the above mentioned letter stated. He said yes. it could be withdrawn the day before on XXXX XXXX. Informed me that the total amt. Owed is {$1300.00} with updated penalties. 

Single comprehensive list of payments made to state of Illinois XX/XX/XXXX EDI payment ACH Debit {$100.00} XXXX mentioned previously XXXX-withdraw date scheduled for XX/XX/XXXX {$1100.00} ( mentioned previously ) Confirmation ftfxmk still could be allowably withdrawn XX/XX/XXXX {$600.00}. Value Payment systems Confirmation # XXXX XXXX am XXXX XXXX XXXX XXXX {$100.00}. Value Payment systems Confirmation # XXXX at XXXX XXXX XXXX XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
Total Payments = XXXX Total Owed = XXXX Overpayment=XXXX XX/XX/XXXX I contacted XXXX ( No last name provided ) at XXXX XXXX to withdraw the ACH request of ftfxmk, per the instructions on the letter. XXXX stated it could not be withdrawn because the state had already processed it ( though it was a day earlier than requested. ) I asked him how I would receive the balance of over payment and he told me the funds would be sent to me in a check. No check has arrived nor any information about the time I would receive one to date as of XX/XX/XXXX XX/XX/XXXX I received a letter from a collection agency Harris & Harris stating I owe them {$1300.00} Letter and postmark backdated XXXX XX/XX/XXXX. Harris & Harris is located approximately 9 miles in city center XXXX. In worst case scenario a letter would not take that long to arrive if properly dated.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have yet to Receive money now the bank is trying to keep my funds for a negative balance I didnt cause because I still had money in my account before yall took my money out without my knowledge then told me after they took it a month later Because how do the Bank of America take credits you guys made permanent and put it towards a negative balance yall caused me to have my bills are to backed up for this I need my funds released now all of them theres no excuse for taking my funds to fix any negative balance caused by Bank of America when it should Have never happened And putting them towards any negative balance regardless of me taking money out of my credits wen they were made permanent my negative balance should have been 0 out before putting my money back then I was told i paid for 2 claims that wasnt approved but the bank approved 2 but my whole claim clearly states that i never received my card at all so how do they approv 2 but deny 2 Im ready to get a lawsuit going on this bank on top of a fed investigation because one I should have had my money already and 2 theres no way they can keep my money to fix any negative balance they caused and lied about very unexceptionable its been over 5 months I have a family I wont take this from a bank or anyone on this earth AT ALL!!!!
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I paid XXXX XXXX in full on the bill in question. I have a signed receipt from XXXX XXXX billing department reading " Paid in Full '' from their billing manager. I submitted it to American Adjustment Bureau XXXX CT and also submitted it to the credit bureaus disputing the matter. American Adjustment refuses to acknowledge the bill was paid and keeps reporting it has not to the credit bureaus. When I call American Adjustment Bureau in XXXX CT, and on the very rare occasion they actually answer the phone they say " Your account is locked '' " we can't do anything or tell you anything more sorry ''.
Consumer complaint received 2021-03-13
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: CORELOGIC INC (CA)

I've been working since XX/XX/2020 to get it cleared up. I've sent letters to the bureaus and letters to the creditors several times. The bureaus letters were a series of stall tactics. Everytime we called they said they did not have any documents ( which we sent 4 times ) yet the I received a mailed letters requesting specific ids. I sent passport, they asked for ssn, which I also provided. I sent letters to the creditors and got no response. They did not verify that the inquiry ( CREDCO Inquiry : XXXX. XXXX, 2020 ) were authorized.