davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I went to XXXX XXXX and withdrew {$1000.00} from an atm. I then drove up to the Capital One Gateway Overlook Branch ( XXXX XXXX XXXX XXXX ) ATM and attempted to make a deposit of {$1000.00} in cash sometime between 4:10pm and 4:30pm. After submitting the cash ; the ATM went dead. I immediately went inside to speak with a branch manager but none was available. 

I was advised by a branch ambassador/teller named XXXX XXXX XXXX XXXX can't do anything and that I would need to contact the claims department. Contacted the claims department while in the bank. 

I was given a provisional credit pending investigation. Fast forward my account is negative {$950.00} and I just learned that the credit was reversed. According to the written notice I received, I was advised that a partial credit of {$50.00} was given to my account while {$950.00} was denied w/ no other details. 

I then contacted them and requested that I be provided written documentation of the investigation process. I have yet to receive the documentation. I called today XX/XX/XXXX to follow up and I was advised I would receive documentation. When I asked about the investigation process and requested to speak with a manager They basically stonewalled me. 

I requested an appeal which they stated I would have to wait 15-20 days for results. I was told I can't email a manager. I'm not allowed to have a manager 's name.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (TX)

They call me at least once daily for the last 3 weeks. I answer tell them my situation has not changed since the day before. I have asked them to quit xalling my cell phone number and requested that they mail me information about the debt and I will call them once our financial situation gets better.
Consumer complaint received 2023-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (CA)

A prepaid Paypal XXXX. I tried to activate it and it asked me to call ( XXXX ) XXXX when I called this number they said they were unable to activate the card, link the card to my Paypal account, give me a refund he told me he worked in a call center in the XXXX. This card goes to XXXX. XXXX card was offered to me once when I went to a check cashing to cash a check. When trying to cash a check they asked me to register with that location so I could cash checks I gave them my social security number name address and they also registered me for a XXXX I refused the XXXX put charges to a card I refused and to this day I'm in their system. I need XXXX to clear this up and remove me from their system. I never used XXXX.
Consumer complaint received 2024-05-21
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. (GA)

I just recently looked at my credit report on XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. I have also attached evidence. 

1. XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
2. XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
3. XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
4. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
5. XXXX XXXX XXXX  XX/XX/XXXX Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
6. XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
7. XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
8. XXXX XXXX via XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 

9. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ).
Consumer complaint received 2024-05-22
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2024-05-24
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: REGIONS FINANCIAL CORPORATION (GA)

Account continues to be reported as having a monthly payment history, even though it should not be due to its late and/or charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. It is illegal to submit data without permission and it should be removed. I have requested removal previously and haven't received any resolution.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (NV)

These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided.

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.
Consumer complaint received 2024-05-22
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. (CA)

TRANSUNIO CREDIT REPORTING AGENCY IS REPORTING XXXX XXXX ON MY CREDIT REPORT THIS ACCOUNT AND XXXX DO NOT BELOGN TO ME FRAUD IDENITY THEFT AND REMOVAL LETTER FROM XXXXXXXX XXXX  ATTACHED
Consumer complaint received 2024-05-24
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: AMERICAN EXPRESS COMPANY (UT)

I hope this will be the final CFPB report I need to file, and that AMEX will demonstrate mutual understanding before I pursue further legal action. As a consumer, I have the right to have my complaint handled seriously by AMEX. We have reached this point because AMEX has been responding to my complaints with automated messages each month without investigating the new information I have provided. 

Regarding dispute XXXX, I am seeking clarification on why this dispute was not resolved in my favor. I have obtained diagnostic reports from three separate mechanics from different companies, all indicating that the car was not repaired as claimed. The engine was not changed as stated. Furthermore, the merchant informed me that AMEX never contacted them after XX/XX/2023, despite my submission of new information in XXXX, XXXX, XXXX, XXXX, and through multiple CFPB reports. The text that the merchants provided even further proves my point. 


For dispute XXXX, I accept the resolution. 

For dispute XXXX the merchant ALLOWED me to return after 30 days. I was out of the country in XX/XX/XXXX when the refund was filed so they gave me the return label at XX/XX/XXXX saying that I would just need to return within that month. The email that the merchant made an exception was provided in the email I sent to Amex. 

I did not receive {$2400.00} more than what was billed. 
For dispute XXXX I paid XXXX downpayment and XXXX towards the loan XXXX total and got back a total of XXXX. I was missing XXXX. I did not treceive XXXX additional. Please make this right. 

Please call me to make this right. Thanks
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.
Consumer complaint received 2023-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company (OR)

Evergreen Home Loans ( EHL ) required me to submit payments as money orders for a series of months, so I have been submitting payments using USPS money orders and Priority Mail Tracking. The XXXX payment was mailed on XX/XX/XXXX and was delivered to EHL 's po box on XX/XX/XXXX, but they lost my payment and proceeded to send me delinquent account notices and assessed a late fee. I have been in contact with them by phone for about 2 weeks since receiving the delinquency notice and they were given both the USPS tracking number and the money order numbers ; they told me they would call me when their cash department located my payment, yet haven't followed through on their own 72 hour timeline twice now. Today, I was told if I submit my XXXX payment they will only use it to cover the XXXX payment that should've already been applied to my account. This XXXX payment included extra money to the principal and was a total of over {$2400.00}.
Consumer complaint received 2024-07-12
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. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-07-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/XXXX, my realtor contacted me to share that I was eligible as a property owner in XXXX, MA for a residential tax exemption. I submitted my application on XX/XX/XXXX, and it was approved the following week. Once I received the documentation of the credit I contacted Citizens Bank and faxed it to them to reduce my payment due to the significant tax exemption. I never received acknowledgment from Citizens Bank of when and how the exemption would be applied to my payments, and even received a check from the city due to the large credit the first year. It wasn't until I received my annual Escrow Account Disclosure Statement dated XX/XX/XXXX, that I realized I may have been overpaying Citizens Bank due to it not crediting my approved residential tax exemption. The Escrow Account Disclosure states I have a shortage of {$560.00} for XX/XX/XXXX thru XX/XX/XXXX, as a result of the following breakdown : Property Insurance : {$1100.00} Real Estate Tax : {$3300.00} Mortgage Insurance : {$2900.00} Totaling : {$7400.00} My approved residential tax exemption for XX/XX/XXXX is the following : Real Estate Tax : {$3300.00} Preliminary Tax : {$1700.00} Preliminary Credit : {$1700.00} Third Quarter Tax : {$820.00} Fourth Quarter Tax : {$820.00} Totaling : {$1600.00} for real estate taxes Making the difference between $ XXXX {$1700.00}. Therefore, the estimated annual cost on the statement is wrong. It is not {$7400.00}, but {$5700.00}. I have suffered the shortage, not Citizens Bank and it should be corrected I question if Citizens Bank has been overpaying my real estate property taxes and refunded the overpayment and never adjusted my loan to take into account my approved residential tax exemption. If yes, Citizens Bank owes me the tax credits for XXXX, XXXX and XXXX. I estimate this amounts to {$5100.00}. Please see the attached supporting documents. 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX 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 2024-04-29
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. (UT)

On XX/XX/year>, I officially informed the agency via certified mail of my status as a victim of identity theft. Despite this notification, as of the current date specified here XX/XX/year>, the agency persists in maintaining transactions in their records that originated from the fraudulent activity. According to Section 605B of the Fair Credit Reporting Act, consumer reporting agencies must alert the entities supplying information about potential identity theft when an identity theft report is presented. I provided the necessary FTC reports along with a requested block of this questionable information. Once notified, per Section 623 ( a ) ( 6 ), these furnishers are obligated to cease reporting any data identified by the consumer as arising from identity theft within four business days of receiving : Adequate proof of the consumer 's identity ; A copy of the identity theft report ; Consumer identification of the disputed information ; and A consumer statement affirming the information is not linked to any transactions they conducted. Despite fulfilling these four criteria and attaching them to this complaint, the agency has not complied with FCRA 15 U.S. Code 1681c2, which mandates blocking such information within the specified time frame. This oversight constitutes a legal breach, exposing the agency to potential civil liabilities for damages I incurred due to this noncompliance, as outlined under 15 U.S. Code 1681n.