davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (PA)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with AMAZON. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with AMAZON for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Please be advised of my intent to enter the Wells Fargo settlement of XX/XX/XXXX. 
My original complaint of XX/XX/XXXX # XXXX is still on file. 
However, I requested my Wells Fargo funds in person on XX/XX/XXXX and did not receive my OWN funds until XX/XX/XXXX. Wells Fargo froze my funds for three months, and there was nothing I could do about it. It seems like they were just trying to aggravate or punish me by freezing my accounts. There was more than one account. 
I lost not only interest on my Wells Fargo account, but also the new account by waiting 3 months. It seemed no one cared! My wife XXXX XXXX XXXX & I had three accounts all with the same situation. 

Thank you, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

I called Midland Credit management on XX/XX/2023 to ask for a reduced amount that would settle my bill of XXXX from XXXX XXXX Credit Card. I explained to the Rep on XX/XX/2023 that I was XXXX and on a fixed income but I could pay a one time payment to clear the debt if reachable. My family was giving me the money. I told him that I could pay like XXXX dollars but needed it to be cleared. I know that the account is a charge off but I wanted to clean up my credit some. The Rep stated that he would have to speak with his account manager and when he returned to the phone he quoted me an amount of XXXX. Although this amount was above the anticipated amount that I had to work with, I stated that I would call back. At no time did the rep tell me that the offer would be voided once I hung up the phone. 
I did live chat today XX/XX/2023 so that I could have some written documentation. I explained to the Rep " XXXX XXXX '' what I needed and recapped from XX/XX/2023. At first XXXX was very adamant and said that sorry can not do anything and I am not going to honor the amount from yesterday. I again explained my situation and then he still stated that it was policy and he could not offer me but the offer that he was giving me today would last until XX/XX/2023. I replied with so the chat can be extended but my phone call can not. He was like you either want it or not. I explained once again that the offer amount was too high and that i really needed the amount from yesterday. He said well just for you I will come down. He came down like to XXXX and I said I can not afford that but now I can see you do have the authority to make offers and changes. 
I told him that i felt he was belittling me and being very discriminatory as he knew I could not afford those amounts and he found it amusing to keep doing that. I ended with asking him to send me the transcript of our chat so that I could forward to cfpb to take a look at it. He replied that he had no way of doing that but he would be sure to send me a bill in 7-10 days. I found that disrespectful and again belittling. I was able to copy and paste the transcript and I saved it in a file that I will also upload.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that TransUnion and XXXX immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that TransUnion and XXXX investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

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
Consumer complaint received 2023-04-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX X XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

On XXXX XXXX, we leased a Hyundai 2022 Tucson in XXXX  and finance it through Hyundai Finance. We moved from XXXX to XXXX  and did a buyout of the lease vehicle on XX/XX/XXXX, through XXXX XXXX XXXX. I have contacted Hyundai Finance for a vehicle title since XX/XX/XXXX. I keep being advised that the title is at the DMV and other times the finance department will tell me that title is in the mail. I have contacted dealer ship in XXXX and XXXX, and they have advised they can not be of any help. 

I have been in contact with customer service, Hyundai Corp USA, Hyundai Finance Dep. over 100 times and still have not received a title to the vehicle. 
In the middle of XXXX of XXXX, we contacted the DMV in XXXX and the title from XXXX still has Hyundai Finance as the lien holder. 
I was given certain dates to receive the title by several supervisors since XXXX of XXXX. 

XXXX XXXX XXXX XXXX has informed us that unless they receive a title, they will increase our loan interest. 
I am still unable to pay XXXX sales tax and receive at title for the vehicle. 
I am asking you all for help. 
Thank you!
Consumer complaint received 2023-03-15
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. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and Experian is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also XXXX different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I'm currently going through a war on XXXX XXXX and have had to go through 5 XXXXin the past 2 years so my tolerance level for the amount of stress that this has caused me isabove and beyond my abilities. We do not get the best phone reception here. Wepurchased our forever home on our 20th Wedding anniversary XX/XX/XXXX. We hadbeen with XXXX XXXX  making our biweekly mortgage payments until XXXX when our loan was then sold to Roundpoint Mortgage. In order to be a part of thebiweekly payment program, you had to have paid a month ahead on your mortgage, so atthe time of our loan being sold : Our next payment due was XX/XX/XXXX. I have a copy of thelast mortgage statement sent to us from XXXX XXXX  reflecting this and will attach.When Roundpoint took over our mortgage they insisted we were due for XXXX XXXXpayment. We tried to contact them several times via phone and were unable to get anyoneto understand they had the payment information wrong. Additionally, Our mortgagepayment changed financial amounts when being transferred to the amount we were toldwas due if we did not pay the escrow shortage. ( we have proof we paid the escrow shortageto XXXX XXXX  ) We continued to make our biweekly payments to them : for 2 months ( 4 payments ) and in XXXX XXXX we received a letter from XXXX XXXX  stating our loanwas getting sold to them and we were due for the XX/XX/XXXX payment. I have been in contactwith XXXX XXXX  giving them copies of our bank statements showing all paymentsmade for the 2 years, Copies of XXXX XXXX  1098, copies of the mortgage statements.The response given to us was that they did not start servicing our loan until XX/XX/XXXX andwe would need to work it out with Roundpoint. When we contacted Roundpoint with all ofthis information, who still has not provided us with a 1098 for the 2 payments made XXXX and the 2 payments made XX/XX/XXXX. They advise us they can not do anything as theysold the loan to XXXX XXXX  and we would have to work out payment problems withthem as they own Roundpoint now. I've spent hours trying to resolve this on the phone aswell as through email contact. XXXX XXXX  is now rejecting our mortgage paymentsbecause they say we are several months behind and have also sent us a letter saying theyhave reported us to the Credit Agencies for nonpayment! Our records show that we are duefor XX/XX/XXXX!! Please Let me know if you are able to help with this horrifying problem and ifnot, whom we should contact. Thank you kindly in advance, Make it a great day.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (FL)

Safe rent solutions has denied multiple applications for rental properties. I have contacted this company multiple times to remove any accurate information from my consumer report. Safe rent solutions LLC refuses to remove these inaccurate items from my consumer report, causing denials and money spent on applications. I would like negative information to be removed from my safe rent solutions consumer report, I have filed multiple disputes and after investigatio the disputes were not satisfied or accurate. I have sent in supporting documents for these public records and credit files and would like these items removed from my consumer report safe rent solutions. I also feel that safe rent solutions discriminate against XXXX and XXXX  by denying applications for rental properties.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance 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
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have recently reviewed my credit report and have found multiple inquiries that I do not recall authorizing. I believe these inquiries might be fraudulent and I request their immediate removal from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In accordance with this law, I am requesting that you investigate and remove the following inquiries from my credit report : 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 As per the FCRA, the credit reporting agencies must investigate my dispute within 30 days of receiving it. I also request that you provide me with a written statement of the results of the investigation and a free copy of my credit report after the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your favorable response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I filed a dispute with your agency which referenced three ( 3 ) accounts erroneously being reported to my credit report. In response to my dispute i received an auto generated letter dated XX/XX/XXXX which explained that it didn't appear that me or an authorized person sent the dispute letter. This is the second time that you sent me this same exact letter, ( as I also attempted to send in a dispute referencing the same accounts last year ). I'm taking this to be some type of malicious stall tactic in which you do not want to fulfill my request to investigate my accounts. The accounts and reasons I continue to dispute are as follows : XXXX XXXX Government unsecured guaranteed/direct loan with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXI dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account and apply the consumer protections laws afforded under the Fair Credit Billing Act to report my account as having no late payments ( paid as agreed ) ; Collection account from XXXX XXXXXXXX XXXX  with account # XXXX and a balance of {$8900.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$6000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I purchased a sofa from XXXX XXXX XXXX on XX/XX/XXXX for {$1900.00}. The company told me it would take 18 weeks to receive my sofa. I received many emails alerting me later and later delivery dates, the last communication saying it would be XX/XX/XXXX. They even sent photos of my finished sofa ready to ship from XXXX. Then in XXXX I was told the furniture company went Bankrupt. I sent receipt and all communication to my Citibank Credit Card dispute department and was denied reimbursement saying the purchase was made too long ago.