davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Annualcreditreport.com requires the use of a cell phone to get a credit report online by sending a text message. 

I do not have a cell phone, do not want one and can't afford the cost. Also, I don't the need constant yammering in my ear from scammers trying to rip me off. 

It seems as if this company is acting as a shill for cell phone companies.
Consumer complaint received 2015-04-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I am writing to file a formal complaint against Jefferson Capital Systems for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by XXXX, which was originally associated with XXXX. 

It is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with XXXX and submitted a report to the CFPB in 2023. As a result of my dispute and your intervention, the account was rightfully deleted from all three major credit bureaus including XXXX, XXXX and XXXX. 

However, to my dismay, the same account, now in the amount of {$2000.00}, has resurfaced on my credit report, this time under the ownership of XXXX XXXX XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also breaches the Fair Debt Collection Practices Act. 

Furthermore, the pursuit of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of my rights under the Fair Debt Collection Practices Act. 

I am enclosing a copy of the Federal Trade Commission report detailing the fraudulent nature for your reference. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take necessary actions against Jefferson Capital systems to ensure compliance with consumer protection laws and to rectify the damage caused by their unlawful actions. 

This item needs to be deleted from all three bureaus immediately so that I can utilize my rights to obtain other credit opportunities.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MI)

I entered into a debt management plan with AMEX in XXXX and followed their instructions to a T. I was reported late. I spoke with a manager and an investigation was done and I was approved for a re-age of my account to bring it current for the months I was reported late. I have made so many calls and Im always told it was approved and will be fixed. Im tossed between XXXX departments and they all have different information and no matter what date Im given for the correction, it never happens.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

I received a letter on the XXXX of XXXX dated XX/XX/2023 stating that although I have multiple accounts, I do not have a savings account and thereby they will freeze my accounts until I open a savings account. I DO have a savings account. I called Vystar and spoke at length to an associate. She said because I am listed second on the account, I have to open another savings account. I don't want another savings account. One is enough. If they are doing this to all joint account holders, they are using this as a method to pump up their new account openings. I just also learned they are merging and I think it is in response to that. I should not be forced to open a new account and I strongly question this business practice. I also have a safe deposit box that I was told would be affected if I did not open another savings account.
Consumer complaint received 2024-04-16
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)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CT)

on the XXXX th of XXXX i recieved my first direct deposit from my Job in the amount of {$440.00} to my American Express acount. on XX/XX/XXXX an unauthorized money transfer to an individual whom i do not know, removed my direct deposit funds. On XX/XX/XXXX i discovered this fraudulent activity and notified American Express about the suspicious activity and opened a dispute. I changed all of my banking login information with the rep on the line with me. He told me i was all set an be on the look out for an email with the resolution to said dispute. On XX/XX/XXXX i was notified by email that my dispute was denied and my payroll check would not be credited back to my account. i called AMEX and was told to basically write a letter. i implored them to reconsider, as i work very hard for my pay as a XXXX. Again i was told there was no fraud or error. well something happened without my approval.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I HAVE A CAPITAL ONE CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME CAPITAL ONE WILL ADVANCE YOU TO A QUICKSILVER CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE QUICKSILVER CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED CAPITAL ONE TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. CAPITAL ONE STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' CAPITAL ONE KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Consumer complaint received 2017-07-18
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. (TN)

XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XX/XX/XXXX tax return. This information is prior to two months. I filed bankruptcy in XX/XX/XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.
Consumer complaint received 2024-02-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BMO Bank, N.A. (AZ)

I opened a 13 month CD with BMO on XX/XX/XXXX with a maturity date XX/XX/XXXX. The interest rate was approx 4.8 %. The terms of the CD indicated that if no action was taken the CD would roll over into a new rate commensurate with rates/products at time of maturity. I received notice on XX/XX/XXXX ( notice date was XX/XX/XXXX ) that my CD was rolled over into a 12 month term at .05 %. A .05 % CD isnt even a common product with current rates at BMO online exceeding 5 % are considered normal ones. I believe this is a deceptive business practice meant to take good rates and reduce them to effectively no return rate if a consumer isnt paying attention.
Consumer complaint received 2024-04-16
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)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (GA)

In their own information that they sent showed that I had paid and overpaid just as I had thought and stated in fact this isn't even my debt it is an ex-boyfriend of mine who opened this credit card but he even stated he paid he said he know he did he paid with my account I had covid at the time anyways the account has since been closed but they have in their own notes that I overpaid and I have the proof of it. Screenshots of their XXXX XXXX. I will absolutely take them to court and sue them for every dime I am out including court cost and I'm sure I will win.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Disputed late payment information reporting on my consumer report several times and no changes were made. In XXXX, XXXX, and XXXX I sent letters concerning the late payments. Nothings changed. XXXX and Equifax and I'm not sure if XXXX is reporting it also, late payments for XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  ending in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. XXXX ending in XXXX, late payment for XX/XX/XXXX. 
According to USC 1681S 2 RESPONSIBILITIES OF FURNISHER ( A ) ( 1 ) ( f ) Reporting information during XXXX XXXX  post national emergency covered period in which 120 days after declared over, it was over in XX/XX/XXXX. In which an accommodation clause allows to defer, forebear, modify, partially pay or get other assistance/relief.
Consumer complaint received 2024-04-16
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. (AR)

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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A states that I have the right to privacy. 
15 U.S.C. 1681 604 ( a ) ( XXXX ) It also stats that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 C ( a ) ( XXXX ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 2 ( A ) ( XXXX ) 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 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank - XXXX My Account # XXXX Amount Paid {$7100.00} XX/XX/2024 - Buyer of Trailer and I were advised by XXXX, XXXX, or XXXX in Synchrony Customer Service that by wiring the {$7100.00} payoff amount, I could call back to receive a receipt of payoff via fax within 3 days of the wire. Their calls are recorded for training purposes, and for proof that we were advised accordingly. 

XX/XX/2024 - When I called back to request the fax, first, the automated system said " Congratulations, your loan has been paid off '', then their phone system only gave me the option of disconnecting from the call. When I called back, and was able to bypass the phone system, I was advised by XXXX, Manager of Payments, that we had to wait 10 days, and then the proof of payment info could only be sent via US Mail, which could take another several days after that. This call was also recorded. XXXX wasn't sure why the other agents advised me that I could receive the receipt of payment via fax, but absolutely refused to work with me in any way. The last customer service agent that I spoke with ( on a recorded call ) was very surprised that this department within Synchrony Bank didn't at least have e-services available, so I could login to access a copy of my payment history, since it is now 2024. 

This misrepresentation by Synchrony Bank is costing myself and they buyer several days, and they buyer is waiting to take possession of the trailer, which can't be completed until I am paid the remainder of the cash from the sale, which can't be completed until payment receipt has been received in writing via fax to me. We are willing to accept an informal document so we can proceed with this sale.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (SC)

As of XX/XX/year> according to the USPS. Equifax received : Proof of my address, my bank statement, & proof of my identity. 
The same information was provided to XXXX XXXX XXXX. I am having a hard time understanding why Equifax refused to remove the inaccurate inquires within my credit file when XXXX XXXX XXXX remove each inquiry without Error. 
Kindly provide how this is possible? I will however provide the EXACT information as well. I have CCd the Consumer Financial Protection Bureau as well as they are responsible for protecting consumers. 
It is honorable to abide by the provisions of the Fair Credit Reporting Act. This notice will serve as proof upon request if required at a later date / time. 
I would appreciate Equifax removing the inaccurate inquires immediately as the inquires attached are not a result of a firm offer of credit, insurance, employment, or court order. A permissible purpose was not granted.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2024, I have been in contact with the XXXX XXXX XXXX at TransUnion, as my profile was locked and I was unable to perform any activity on it. During the call, I was informed that my profile was locked because there were XXXX social security numbers associated with my name, and that they had already escalated the case to remove the social security number that did not belong to me. On this occasion, case # XXXX was created, and I was informed that I should call back in 2 days to find out if the issue had been resolved. Consequently, on XX/XX/2024, I contacted them again and was informed that no changes had been made and that my profile was still frozen and locked, and I was advised to call back on XX/XX/2024. I followed these instructions to the letter and on XX/XX/2024, I spoke with a XXXX XXXX XXXX XXXXo request information and a temporary unfreezing of my account while the necessary modifications were made. This request was supposedly accepted, but this information is false because yesterday, XX/XX/2024, I made a credit card application which was put under review since they could not verify my credit history as evidenced by the hard inquiry that was placed. Consequently, yesterday, XX/XX/2024, I again contacted the support team and the advisor who answered my call informed me that no modifications had been made and that my account was still blocked, which is the reason why my credit application was denied. 
This situation is causing me significant financial and personal problems, as I own a company and rely on banking services. However, due to a system error, which I did not authorize or cause, I am greatly affected, and TransUnion is solely responsible for this issue. Therefore, I hereby declare that I will engage in legal proceedings for the economic damages caused. Nevertheless, I am once again submitting this request in hopes that the entity will resolve my issues by unlocking my profile, removing any information that is not mine, and unfreezing my credit profile so I can obtain financial benefits. My social security number ends in XXXX, and I request that this problem be resolved as soon as possible. Days are passing, and nothing is being resolved, which continues to affect me economically and financially. Not to mention the XXXX this situation is causing me, leading to XXXX XXXXd XXXX XXXX