davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Cards were opened by ex spouse without my knowledge or consent, and they refused to take me off and now my credit score has been negatively impacted as well as being bullied into paying off his debt so I can get a loan for a new house.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (MD)

I don't recall applying for credit with this company. I need to see written or authorization proof that I allowed this inquiry. I have also contacted them back in XXXX  with still no answer leaving me with ( XXXX ) hard inquiries on my credit report violating my FCRA Act rights.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I received a Kohls credit card that I never applied for. I spent almost an hour on the phone with Kohls and was told the card was opened with an online application on XX/XX/2022 and they could not provide me with any documentation.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I received a notice on my credit of a debt going into collections from Transworld Systems. I have never received any communication about this debt from the Transworld Systems or the original creditor and haven't been able to get any validation of the debt. The only reason I know about this debt at all is because they reported it to my credit. Every time I reach out to Transworld Systems, they either can't direct me to the appropriate 'branch ' of the company that submitted the notice to my credit, or they immediately ask for my credit card number and hang up when I don't give it to them. I moved out of the property ( original creditor ) in good standing and received a full security deposit 4 months after moving out. I have no idea what this debt could be for and can't get any information out of Transworld Systems or the original creditor.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to Transunion, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (OH)

I made multiple purchases to Klarna. I ended up getting sick, and did not pay the balance. It unfortunately, happens when I am ill, but I have every intention on paying the balance.In XXXX of 2022 I took out a loan, to pay off all my debt. I didnt write down anything. Or save anything showing I paid it. Nor the collections agency provide me any information that it was paid. Except it is not on my credit report. When I go to Klarna to check the balance, it was never the same and account numbers provided do not match up with anything. I been waiting for said payment statements to show up, and I just feel like I am getting taken advantage of. I believe I paid it, but I can not confirm it on my end, because there are multiple payments ( partial payments ). So I am at a loss. I would like to use the service, because it is helpful when I want to take trips. This is just so unfortunate. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

Name : XXXX XXXX Address : XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : Arizona Zip : XXXX Email Address : XXXX Citibank is the company 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 than 4 business days after the date of receipt.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a 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 which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-12
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. (WA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank received an application for pre-approved credit. The property was taken and I got nothing in return. Bank has opened an account ( id # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand Huntington bank to present credits to the United States Treasury for securities for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (NY)

We requested removal of PMI once we reached 20 % of the original loan amount paid off in XXXX of XXXX. We received a denial letter stating we had not met the principal required payoff amount, so the cancellation would require an appraisal to base it off of current value instead of the original loan amount. We then made additional payments in XXXX and XXXX to meet the requirements bringing as to more than 22 % paid on the original loan amount instead. 

When we requested the PMI removal in XXXX we received this response, " We are unable to honor your request to cancel the PMI for the following reason, an automated valuation model ( AVM ) for the property value is not available at this time. The investor, XXXX XXXX, requires that a valuation be completed to determine eligibility for early PMI removal. '' We are not requesting early PMI removal, we are requesting standard PMI removal once the 22 % paid on the original loan threshold was crossed. 

I called and spoke to a customer service representative at Freedom Mortgage ( who's ID # I retained for my records on XX/XX/XXXX at XXXX ). After waiting on hold while she reviewed our account, I was informed that what the response " actually '' meant was they were sending a form for us to complete to request the removal of PMI. Part of this request would include an additional fee of {$150.00} to have a XXXX agent come out and assess the property. Freedom Mortgage stated that because our mortgage is a XXXX XXXX XXXX backed mortgage, which until now was not disclosed to us, that this was mandatory. 

What Freedom Mortgage will not explain at this time is why this process is necessary, even though we have met the original loan requirements and filed multiple formal requests. Both the Freedom Mortgage and XXXX XXXX websites outline this process, and Fannie Mae is not able to enforce more restrictions on PMI than standard mortgage lenders. Until now our requests have been denied without follow up, other than telling us of alternative options with the XXXX. The last movement on this process was that Freedom Mortgage stated They would send the form, we would have to return the form with the {$150.00} and they would schedule a XXXX agent to come out and assess the property.
Consumer complaint received 2024-04-12
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. (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 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

My name is XXXX XXXX and XXXX. On XX/XX/2023, the collector from car hop XXXX XXXX nagged me that force me pay. It is a prepay avoid late. I told him that give me more time to get enough fund to pay car payment. He was abusive vocally via E mail. I told him that I was on the medicine and health issue since lost work. I told him that wait until get my XXXX check on XXXX than he misunderstood what I say. He did not care then had reposed my XXXX without warning notice by E mail. Only next day I get my SS check. He mixed up the story to me. It was not bad more than 30 days. Ruin my budget and had paid part of rental payment. I had to paid repo fee for {$400.00} plus and past due car payment of {$300.00} on XXXX. Then return my car back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I left medicines in the glovebox. XXXX XXXX XXXX XXXX XXXX. he did not care what I say. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Collector continued nagged me and when I can pay due. he said that it is not pass 30 days yet it was only 25 days. He said more than 46 past due. he cant figure out then told me that sorry his mistake to make correct then was repossed my car again on XX/XX/XXXX without give me warning notice. I had to paid fees again. I dont feel well .... I looked the contract that said disclouse statement and agreement for installation of starter interrupt and GPS device. It suppose to be giving me 5 days warning before starter interrrupt become disable until I pay but never make it. I told them that they owe me {$1000.00} without warning notice. Twice repo fees plus police report fee and paid friend for gas to pick up my car in XXXX. I spoke XXXX XXXX  coworker about starter interrupt suppose to be giving me a notice of warning. They said that no more warning notice and had been stopped XXXX years ago. Why they did not tell me that give me a notice something change update I signed up the contract of disclosure statement and agreement for installation starter interrupt They should let me know cancelation contact and get a new update about repossession issue update. I ask them that skip 3 months of payments of $ XXXX or give me credit. They wont listen me that following contract says .... and demand payments now I wont pay {$300.00} if not I go to small claim court soon because the contract is vaild without warning 5 days before disable starter.
Consumer complaint received 2024-04-12
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. (WA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Dear MIDLAND CREDIT MANAGEMENT I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the 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. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (VT)

To clarify the answers to the questions on the prior page : - while the amount owed is being disputed as well, the nature of the misrepresentation in this particular complaint is that the collection agency provided falsified financial records that obscure the actual activity relevant to the disputed debt, which was done far more blatantly and maliciously than any misrepresentation of the balance itself - I have communicated with the company already, but not specifically about the misrepresentations. Given the situation, it felt like it made more sense to file the complaint with a third party. 

In response to my disputing a debt, Arcadia Recovery Bureau , LLC mailed me a letter dated XX/XX/2023 containing financial records that had clearly been falsified and furthermore obscured important information about the adjustment activity on the account. I am including a full description of the issue as a PDF document with this complaint, but am not including any of the attachments, because they contain personal information. The attachments will be available to relevant parties upon request.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to Transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (FL)

In XX/XX/XXXX, we leased a new XXXX from XXXX XXXX in XXXX XXXX, Florida. As part of that lease, we traded-in another leased vehicle that was leased through XXXX XXXX XXXX XXXX XXXX XXXX ), from XXXX, New York XXXX XXXX erroneously reported our last lease payment ( from XX/XX/XXXX? ) on the old vehicle as late. After failed ( denied ) attempts to dispute this information with all 3 major credit reporting agencies on XX/XX/XXXX, we submitted, via US certified mail, a letter dated XX/XX/XXXX, for XXXX to investigate their reporting of the late payment. This reporting caused our otherwise excellent credit scores to drop nearly XXXX points directly as a result. On XX/XX/XXXX, I received an e-mail from XXXX indicating their investigation, reference # XXXX, " determined an amendment to the information being furnished is warranted. We have requested the agencies update your credit profile to remove the negative reporting for XX/XX/XXXX. '' and then they stated " Please be aware that although we have submitted this update electronically, the agencies may take thirty ( 30 ) to sixty ( 60 ) days to reflect the amendment on your profile. '' I replied to their e-mail on XX/XX/XXXX stating that it had been more than 60 days and the negative information is still being reported to all 3 credit agencies. Their automated system replied that I would hear back in 10 days or less. Today is the XXXX day and I've heard nothing. I've sent them another e-mail today however I can not wait any longer as it's been nearly XXXX days since my initial reporting to them and nearly XXXX months since this whole issue began to fix their error. I am attaching the e-mail chain with XXXX and a screenshot from my Equifax credit report ran today, XX/XX/XXXX, that still shows the delinquency AFTER the account was closed!
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

We sold our home and the mortgage servicer received payment in full, in cash. They took an additional monthly payment out of my checking account via ACH. We need that money immediately for the purchase of our next home. The process they outlined will take a month to correct their error. The practice of continuing to take ACH payments after loans are paid in full is a known issue. Who but the CFPB can hold them accountable and make this practice stop?
Consumer complaint received 2024-04-12
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. (CA)

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated credit report.