davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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)

Upon reviewing my online Transunion and XXXX credit profile I noticed several errors and fraudulent information including addresses that are not in association with me, name that does not belong to me the living entity as well as over 15 inquiries that I have no knowledge of. 
I requested in good faith to have these items removed with XXXX directly online and also contacted transition as well as filed a ftc report. The inquiries are as followed XXXX XXXX XXXX XXXX XXXX ( reporting online to both XXXX and Transunion inaccurately ) -I have no knowledge of this account XXXX XXXXXX/XX/year> ( reporting only to Transunion inaccurately ) XXXX I have no knowledge or record of this account XXXX  again XX/XX/year> ( reporting only to Transunion inaccurately ) - I have no knowledge or record of this account XXXX XXXX XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XXXX  XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XX/XX/year> XXXX reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XX/XX/year> ( reporting only XXXX XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX again ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XX/XX/year> ( reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XXXX XXXX ( reporting only to XXXX inaccurately ) -I have no knowledge or record of this account XXXX again XX/XX/year> ( reporting to both XXXX and Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX again XX/XX/year> ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XX/XX/year> ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX  XXXX XX/XX/year> ( reporting only to XXXX inaccurately ) - I no knowledge of this account
Consumer complaint received 2023-05-04
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)

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 items : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance : {$2000.00}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 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Curious why a XXXX XXXX Countrywide mtgage, XX/XX/year> for $ XXXX, is now at $ XXXX with XXXXXXXX XXXX ( latest refi ), despite not missing one paymt and even making additional paymt during the early life of the loan. Circumstances include two refi for INTEREST RATE REDUCTION ONLY. Thanks. er.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear XXXX, I consider this matter to be of utmost seriousness and respectfully request that all communications be conducted in writing via the Consumer Financial Protection Bureau complaint portal. Once again, I explicitly do not authorize any telephone contact. In my previous correspondence, I have provided documentary evidence detailing the dates and times of your phone calls. I have attached an updated copy of that report for your further investigation. Should these communications persist, I must emphasize that they may constitute harassment under the Fair Debt Collection Practices Act, and I retain the right to pursue appropriate legal actions to ensure compliance and protection of my rights. 

Please provide verification of your claim, by providing me with true and certified copies ( Not photocopies ) of the Deed of Assignment ( NOT Notice of Assignment ) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ), who has seen the Original Note and is certifying these assignments as certified copies and that PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, XXXX ) now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, XXXX ), who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Please provide this information and documents within ten ( 10 ) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper ; you have no legal standing ; no first-hand knowledge of this matter ; your claim is fraudulent ; any damages I suffer you will be held culpable ; you agree to pay all fee schedules ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. 

Should you provide adequate evidence that I owe your organization any outstanding amount and that you have been properly assigned to collect this debt, I am willing to settle any verified claim in full. 
Yours sincerely
Consumer complaint received 2023-06-06
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2012 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012 ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
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)

XXXX XXXX Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-06-21
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: Exeter Finance, LLC. (CA)

XX/XX/XXXX Dear CFPB, My name is XXXX XXXX and I want to dispute a hard inquiries made on my credit report XX/XX/XXXX by EXETER FINANCE LLCXXXX XXXX 
This hard inquiry was made by a car vending company called XXXX, who said that they needed to run credit checks, which counted as hard inquiries against my credit, to qualify for a car purchase. 

After I agreed and they ran the credit check, which counted as a hard inquiry on my credit report, I was informed that the car was no longer available so I chose to not work with this company and purchased another car from another company and financed it through another bank. 

As a result of XXXX misleading auto sales practices, I now have XXXX hard inquiries that are significantly impacting my XXXX XXXX and I would like them removed immediately. 

After reading reviews about XXXX, I discovered this agency has very questionable integrity. 

Thank you for your prompt support in removing these inquiries, so I can enjoy the comforts of a good credit score that I deserve. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (FL)

i am showing a XXXX XXXX account on my credit reporting it is showing as settled. I did not settle this account. It was paid in full. I was told when i paid the collection agency that this account was going to be deleted.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (ME)

Upon getting an auto insurance quote from XXXX, I was told XXXX  XXXX had an accident reported on XXXX on my driving record ; Reference # XXXX. 
I never had any accident or was in an accident on XXXX in any vehicle. This erroneous claim made my quote go from {$370.00} full coverage to {$480.00} every XXXX months. I have contacted lexisnexis requesting this consumer report today XX/XX/year>. I am extremely upset because this affects my insurance quotes as well as my personal credit history.
Consumer complaint received 2024-06-05
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. (LA)

I am trying multiple times to inform XXXX credit bureaus that I am an XXXX XXXX  victim and that certain entries in my document appear to be the result of improper behavior. The documents I am asking relate to no transactions in which I have made or approved the acquisition of any property, including commodities, services, or money. Take note of anything in my credit report that is notable and that resulted from a purported scam or extortion, assuming that neither of these things matters. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2024-06-05
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. (PA)

I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.
Consumer complaint received 2024-06-21
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: JPMORGAN CHASE & CO. (NJ)

I noticed a Credit card refund not requested by me and as far as I can tell not issued by the merchant. I contacted my credit card company that the transaction was in error and the account was most likely compromised. They asked me what I want them to do, and I believe I said to them is Flag it, reverse transaction and I'll payment the full amount due and have the account closed. The amount of the refund transaction in error was {$31.00} the merchant was XXXX XXXX. And the credit card was issue by chase bank.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc. (OH)

On XX/XX/2024, I logged on to my account with Prosper Card. I made a change to my auto pay status. I switched it from paying minimum to paying the full statement balance. My payment date was XX/XX/2024. On XX/XX/XXXX I logged on again and saw that the change was not made and only the minimum o {$35.00} was paid. I immediately paid the statement balance of {$1000.00}. The end of the billing cycle was XX/XX/XXXX. When I received the statement for XXXX I was charged {$24.00} interest. I called Prosper to complain and spoke with a regular representative and a supervisor named XXXX. I explained that it was their error in the auto payment as I requested the change XXXX days prior to the due date. I explained that online it only says that changes can not be made within XXXX sats of the payment day. I should not have any interest charged because I requested the statement balance to be paid in full, and after I realized their error I paid the balance XXXX days later, still XXXX day before the end of the billing cycle. I was told that changed to auto pay take XXXX months to go into effect. I asked for that in writing and did not receive it. I only received a generic email stating that the interest charge was correct.
Consumer complaint received 2024-06-21
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: JPMORGAN CHASE & CO. (CA)

I went to XXXX to have a purse repaired ( XX/XX/XXXX ) and the operations manager said there was a known issue with the bag and I would not be charged for it. In XXXX of XXXX I received notice that the bag was ready for pick up and I would be charged {$290.00}. I picked up the bag and it was only partially fixed - the outside rim and the inside liner was supposed to be repaired. I questioned why I was charged and why it was not fully fixed and the message I received was we'll get back to you. No one responded so I disputed it with my credit card- Chase. 

I received conflicting information and requests from several offshore care agents only to have the case dismissed after sharing text messages, emails and photos supporting my claim. I re-opened the case and received notice today XX/XX/XXXX that my claim was denied because ( 1 ) I didn't provide any new information and ( 2 ) it was beyond the dispute window.

I reopened the dispute the minute I found out the first was denied and I provided additional support including a signed testimonial. I spoke to an agent today and when I asked her to record a formal complaint she told me that she can not do that and she could not transfer me to a manager to discuss this.

I work in regulatory compliance and one pillar of an effective compliance management system is having a complaints process. The fact the Chase does not allow for customer facing agents to take complaints makes you seriously question the strength of their compliance program.

I should not be liable for a purchase where I did not receive what I was promised. There are protections in place out there that I am not benefiting from. This is also a credit card where I pay a {$600.00} annual fee for. I would have never received this type of service/support from XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I had a medical emergency around XX/XX/2024. My Citi credit card was set to auto pay for the minimum payment. In late XXXX, I think around XX/XX/XXXX, while I was in the hospital, I changed my auto pay amount to {$0.00} to make sure my bank wasn't overdrawn. 

On XX/XX/2024, Citi correctly took a {$0.00} auto payment. But then on XX/XX/2024, Citi took an auto payment of {$850.00} and caused my bank account to be overdrawn. 

I never authorized that auto payment. I changed my auto pay to {$0.00} and never changed it back. Citi did not have my permission to take more than {$0.00} out of my bank account.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Why Im still receiving emails for the bureaus saying Im helping to third party company which is not true. I'm the one who send out letters. Please make an action now or I will sue you. heres the list of negative accounts and inquiries I want to dispute. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. My email address is : XXXX. Barclays phone number is : XXXX. I wanted to find information about this credit card. I proceeded to contact this Company, Barclays Bank of Delaware, and when the person I was speaking to told me that I would have to pay {$490.00}, a year, I told him that I wasnt interested, because I was retired, and I couldnt afford it. I repeated that twice and then I hung up. A couple of days later, they mailed me the card!! I was in shock. Well, I immediately mailed the card back, and I assumed that was the end of it. Wrong. In my email, I saw that XXXX Credit Report stated that my credit number had gone down. As soon as I saw the name, Barclays Bank of Delaware, and the amount I owed, {$490.00}, with an immediate payment of {$58.00}, I knew I had to do something. I never used the card, I dont even know the number on the credit card. I am writing to you people so that you can clear up this problem. If theyre doing this to me, there are probably others that are dealing with these fraudulent maneuvers, and they need to stop. My credit report needs to be restored to what it was before Barclays Bank of Delaware insidiously involved itself in my personal business, without my knowledge or consent. Thank you.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  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.