davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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. (FL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 602 A. states I have a right to privacy.

15 U.S.C 604 A. Section 2 states a consumer reporting Agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat payment on a credit card account under open end consumer credit plan as late for any reason. 

These or the name of the Accounts. # XX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EAST WEST BANK (NV)

After opening a value checking account ending in XXXX from East West bank on XX/XX/24, my needs changed & I attempted to close account unfunded on XX/XX/24. The bank however refused, which leads to obvious motivation to charge monthly {$4.00} fee. I demand account closed effective immediately.
Consumer complaint received 2024-01-12
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. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-08-23
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. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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. (IN)

PLEASE BLOCK AND REMOVE I urgently implore you to swiftly take action to eradicate the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not give my consent for them. It is unjust for me to shoulder the responsibility for these accounts, as I neither initiated nor approved them. I urge you to promptly address this issue.
Consumer complaint received 2024-03-05
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: TD BANK US HOLDING COMPANY (LA)

TD finance tried taking payment from an account number not submitted. Sent us to our bank twice stating it was my banks fault, then said I miss typed the information. This is the second loan with this company. Both loans have never been late, and paid before and after this happened in XXXX of XXXX from the same account. Tried paying the payment 3 times in XX/XX/2023 all returned because it was someone elses account they tried taking the funds from at another bank. They refused to fix it when On XX/XX/XXXX the payment from same account always used on both accounts went through. Their own recording said they had posting issues please bear with us. They refuse to fix the 30 day late on credit report.
Consumer complaint received 2024-06-13
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. (TX)

XXXX XXXX XXXX and Transunion are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate this matter.
Consumer complaint received 2024-01-12
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. (MD)

XX/XX/2024 15 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The Consumer reporting agencies Equifax & Experian and the financial institution do not have my consent nor my written consent to present this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic 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. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states 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.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-01-12
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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: EQUIFAX, INC. (GA)

This account was opened fraudulently, I sent in documents and reached out to this company who told me they no longer has the debt. I call the collection agency who then removed it, but XXXX XXXX XXXX XXXX  still has it in my report for the last 4 years.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (TX)

Made payment on XX/XX/XXXX in the amount of {$130.00} Made contact to collection agency XX/XX/XXXX for deletion and was told letter would be sent to me via email by XX/XX/XXXX Made another contact in XX/XX/XXXX and was told deletion letter should be received via email Monday XX/XX/XXXX or Tuesday XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (FL)

We refinanced our VA loan through our same mortgage company, Village Capital & Investments, LLC, and closed on XX/XX/XXXX. We paid {$4100.00} to XXXX XXXX XXXX XXXX in XX/XX/XXXX. Village Capital & Investments, LLC then also paid our taxes from escrow. Village Capital received a refund of {$4100.00} on XX/XX/XXXX & we were advised that we would be refunded the duplicate payment. We received {$3400.00} on XX/XX/XXXX. Village Capital claimed there was an escrow shortage is why we did not receive the full refund, even though we had just closed on this loan. They never clarified why there was a shortage. Our current History of Escrow Account Transactions reflects there was a monthly charge of {$130.00} for Service Fee Paid Amt. that was never explained or authorized by us and not included in the final closing document. There was {$1400.00} transaction on XX/XX/XXXX Partial Settlement on Foreclosed Loan that was never explained. Our loan was refinanced not foreclosed. On XXXX, there was a charge of {$1000.00} for refund amount - this entry was never explained or refunded to us. We never received a copy of the closing documents 3 days in advance of the closing as required by TRID. We have made numerous attempts through phone calls to Village Capital, but our loan officer or any other department will not speak with us. The one time we did get someone to speak with us, she asked us to hold so she could check about the Partial Settlement on Foreclosed Loan, but when she returned to the phone, she stated she was instructed not to answer any further questions from us. She stated someone would call us on the following Monday, but no one has called us yet. We have asked for explanations to our questions through emails to various departments at Village Capital, and no one has responded to our questions to explain where the rest of our {$4100.00} went or why we have these charges as stated above on our escrow account.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I got my XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. When I purchased the vehicle they said the only bank I could use was credit acceptance. I was told that everything that was included with the loan had to be in it, such as warranty, service fees etc and that if I didn't agree to these extras I wouldn't be able to use credit acceptance as a lender. I then find out later that I had a choice. This loan ended up being much more than was disclosed when purchasing the vehicle. And because of these extra inflated costs it was hard to keep up on payments especially with outrageous late fees. I was in desperate need of a vehicle, they knew I would be unable to afford it but used my desperation to their advantage and convinced me otherwise. So I ended up defaulting, getting my car repossessed twice and the second time it was repossessed it was sold in auction for 3 times less than the blue book value of the car. They sold it in auction for XXXX dollars. And even after it was sold they are still adding interest to the loan making it even harder to get out of debt. Because of their tactics I lost my job, can't afford another vehicle because I am denied for every loan and am still to this day having a hard time keeping a job due to no vehicle and no reliable way to get to work. Within the first 2 weeks of purchasing the vehicle it ended up having a lot of issues making the vehicle so it couldn't be driven. I tried to use the service contract that I was duped into, and was denied for evert claim through them as well as the dealership that I purchased it from. This company is extremely rude when you try to reach out to them for support and they talk you down and tell you straight out that " you shouldn't have got a loan that you couldn't afford '' yet they add all these extra fees and make it seem like you have to get these extras to even be considered for a loan. They used the fact that I was poor, with poor credit and desperate. Credit Acceptance should not be allowed to continue this fraudulent behavior and should be shut down.
Consumer complaint received 2024-01-12
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd (AR)

XXXX XXXX XXXX XXXX, I set up a XXXX transfer of XXXX  from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date Wise has still not refunded the wire transfer. All this money somehow missing and Wise is not taking responsibility.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

Penn Credit have attempted to collect a debt not owed by me. Rather than conduct any effort at due diligence, they have pursued me simply because I have a similar name to the debtor. This business practice is reckless and may be illegal. On XX/XX/18 Penn Credit wrote to me in an attempt to intimidate me in to paying a debt of {$920.00} owed by someone else. Penn Credit has refused to cease and desist in their harassing and bogus collection efforts.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Its been months since i found out that my family member by the name of XXXX stole my information and used it to get credit cards, i was only notified when i started receiving phone calls about delinquent accounts. I need help in removing these fraud accounts from my credit report. I have disputed with the bureaus but they have done nothing.
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2024 I have submitted CFPB Complaint # XXXX against Synchrony Bank asking for the specific reasons behind three specific concerns related to closure of my long-standing Lowes credit card account XXXX 

The three ( 3 ) specific concerns raised were : 1 ) that the credit limit lowering and the account closure were just 3 days apart ; 2 ) that the account closure was done by the automated system, without human involvement / review / approval ; 3 ) that a human CSR on the line that I spoke with advised me that there's no way to reopen the account, no matter the fact that it was closed in an automated manner, without human involvement, review or approval. 

I was looking for a clear explanation of the speicifc reasons why that was done or is the case, for each of the above three ( 3 ) specific concerns that were raised. 

On XX/XX/2024, I have received a generic " write-off '' response from Synchrony Bank via CFPB, see letter attached, that merely recited the sequence of events ( dates and actions taken ) and didn't provide any specific reasons why for any of the above three ( 3 ) raised concerns. 

I am now submitting this complaint as a follow-up to CFPB complaint # XXXX, once again seeking the speicfic reasons why that was done or is the case, for each of the aforementioned three ( 3 ) specific concerns that were raised.