davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One fails to accurately post my available and pending balances regularly. I've discovered that when the balance is getting low they claim I have more funds that I actually have. I have images showing the balance showing one amount and then later changing the amount without any new transactions. Balances do not line up from moment to moment. It's done in order to force customers to over spend thus causing overdrafts. There are many days when I open my account and the balance next to each item is blank. It took me nearly two decades and nearly {$25000.00} in overdrafts to discover the fraud being committed. I sent my documents to them through the complaint process asking for the last year 's overdrafts. They failed to respond to me with the outcome, so I don't have a copy of the letter. They did send the letter to consumer finance who read it to me. They did not even address the issue I complained about. It was like they ignored my documents, my letters, and my complaint completely. This tells me they know they are stealing from customers. I want my overdrafts returned to me, as at least 75 % of them occurred to false reporting of my balances. I submitting an example of what I am talking about, as well as today 's view of my transactions with blank balances next to each item. I honestly do not know if and when my balance is ever accurate. Capital One, you have my permission to show my records to consumer finance.
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/19, I sent a payment via Paypal. Per Paypal 's fee schedule, the fee for sending money for goods and services in USD is 2.9 % plus XXXX cents. I was paying a vendor {$100.00}, so 2.9 % of that is {$2.00}. Add XXXX cents, the fee total is {$3.00}. So I paid {$100.00}. However the vendor showed me a screenshot saying he ended up with only {$99.00}. Paypal took an additional XXXX cents on top of what they're supposed to, an almost 1 % overcharge. This caused a debate between the vendor and I, when neither of us are at fault, it's Paypal taking more than their share. This probably happens to a lot of customers and Paypal makes a killing off of these overcharges. I tried calling Paypal but their offices are closed. Will try again another time, but CFPB should be informed and I hope you can help nudge them to do the right thing. Thanks.
Consumer complaint received 2023-11-22
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Captial one sent me a notification asking if I made a purchase from XXXX toll and I contacted them to inform them that I did not. My account ending in XXXX was closed and I was given a new account ending in XXXX. They refunded the amount {$120.00}. The following month XXXX submitted the same amount and it was approved. I contacted Capital One about this and questioned how this was possible when the same transaction was supposed to be blocked from going through and the company didnt have the new credit card information. They were unable to explain this other than saying they may have a program that allows them to find the new account number. I communicated that the charge was not supposed to be authorized. After their investigation they added the charge back and now my account is over the limit.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (IL)

The company is Affirm. I have a new phone number and they're calling for a woman by the name of XXXX who previously had the number. I've spoken to several people who say they'll remove my number from their list but they continue to call. They will call 5-6 times a day and back to back at the same time repeatedly. I've even threatened to take legal action and contact you all but they still continue to call. I work third shift and their calls wake me up and I can't turn my ringer off because I have sons who may have an emergency and need to contact me.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Early in XXXX I spoke with Flagstar Bank about they not escrowing our account for the homeowner 's insurance. Flagstar agreed to do it .Paperwork was sent over and I signed it and sent it back via email. 
At this time, I informed them that I was going to pay for the homeowner 's policy myself and advise them not to pay any premium. I made the payment directly to the insurance company and everything was set. 
Today I find out that Flagstar took it upon themselves to pay the insurance company {$3700.00} usd.They didn't follow with my request!! Now I am out of {$3700.00} usd and Flagstar wants me to wait around until they resolve the issue. Well, I do not want to wait, and I want the money back into the escrow account.

This is bank fraud! The escrow isn't theirs to disperse as they see fit to do so.

My problem is that Flagstar stole this money by paying for a policy that's already been paid. Not only that they even paid the insurance 4 days late. Its a good thing that I paid it otherwise my policy would have been lapse!! 
I spoke to them today XX/XX/year> and they do not care to rectify their mistake.All I received were excuses why they made the error and wants ME to wait around until they internally investigate the mistake. 
I am sorry this is not acceptable. I did everything they asked to me do and they failed to do what they were supposed to. 
They have committed bank fraud, and they do not care. I want my money back!! I shouldn't have to wait until they finished their process.I spend an hour plus on the phone with them today and all they did was come out with excuses and not solutions. 

Please help I need the money back!! 
Thanks XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX, XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2022-12-22
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 follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-07-09
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. (NJ)

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. I demand immediate and decisive action to correct these violations. 

XXXX XXXX XXXXand XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of XXXX XXXXall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (LA)

XX/XX/year> XXXX XXXX XXXX XXXX box XXXX XXXX, Va. XXXX Re : Account Number [ # XXXX ] Dear Spring Oaks Capital I am writing in response to your alleged debt collection activities regarding account number [ # XXXX ]. I am disputing the validity of this debt in its entirety. 
Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide written validation of this debt within 30 days of initial contact. This validation must include the name of the original creditor, the amount of the debt, and a statement of your rights as a consumer. 
To date, you have faile to provide sufficient evidence to validate this debt. Additionally, I am aware of multiple complaints filed against your company with the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices. 
Furthermore, I wish to inform you that pursuant to the decision in XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Haw XXXX, mere statements are not sufficient to establish a valid debt. Accordingly, I demand that you cease and desist all collection activity on this account immediately. 
Please be advised that a consumer report is considered a form of communication. Therefor, this cease and desist order includes a demand for the immediate deletion of any and all information pertainin to this account from my credit reports. 
Should you fail to comply with this request, I will be forced to seek legal action against your company for harassment and abuse. Such action may include a demand for an itemized accounting of damages. 
I expect a prompt respons to this letter, including the validation of this debt or the cessation of all collection activity. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. La. XXXX
Consumer complaint received 2024-07-09
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXY Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (TX)

Re : Payoff interest refund for loan # XXXX. 

This home mortgage was formerly held by XXXX XXXX XXXX and transferred to Selene Finance on XX/XX/year>. The house was sold on XX/XX/year>, and Selene Finance was unable to produce a payoff statement until XX/XX/year>. As such, the title company held the payoff in escrow until Selene could produce the payoff statement. Based on the payoff provided, a final payment was sent to Selene Finance on XX/XX/year> in the amount of {$590000.00}. The principal balance was {$590000.00}, with the rest being interest. We should only be charged interest up to XX/XX/year> as it was Selene 's inability to ingest us as a customer ( transfer ) expeditiously that led to the payoff being completed on XX/XX/XXXX. We have called them on a weekly basis since XX/XX/year> ( requesting status updates on the refund ) and were verbally told by a representative on XX/XX/year> that the company feels they don't owe us a refund of the interest. We sent them an email on XX/XX/year>, detailing the issue, and have yet to receive a reply. This is absolutely an unacceptable and unfair practice. We have requested the refund of the overage of interest and are seeking resolution in the form of the appropriate refund. This is a VA loan and we are due any overages, which are important to our family income.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I reviewed my credit report and discovered several inaccuracies.

According to 15 U.S. Code 1681e ( b ) - Accuracy of report, a consumer reporting agency must follow reasonable procedures to ensure the highest possible accuracy of the information in a consumer report.

Additionally, 15 U.S. Code 1691i ( 5 ) - Treatment of inaccurate or unverifiable information, states that if, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information as necessary and notify the furnisher of the changes.