davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (DC)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to investigate my dispute and the false accusation of using an unauthorized third party. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion regarding the following items : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX. XXXX XXXX  - XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  - XX/XX/XXXX - Unauthorized Inquiry Additionally, I addressed concerns about incorrect personal information, including names and addresses. 

I recently received a response from TransUnion dated XX/XX/XXXX, in which they refused to investigate these items, claiming they do not believe the dispute is coming from me. This is a false accusation, as I did submit the dispute myself. I am attaching a copy of my original dispute and TransUnion 's response as supporting evidence.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I went to the Santander web site to make my XX/XX/XXXX payment, as I always do, when the previous month 's Social Security Benefit payment goes into my checking account on the third Wednesday, which in this case is XX/XX/XXXX. 

Using Santander 's XXXX XXXX Speed Pay tool, I made my normal monthly payment, of {$220.00} plus the XXXX XXXX money transfer fee of {$2.00} for a total payment of {$220.00}. 

The payment showed as pending just after I submitted it, which is normal. ( see attached document ). But by Wednesday evening, it had not cleared, and it usually does within about 3 hours. 

I just checked the account online and there is no payment showing as " pending '' and it still shows my XX/XX/XXXX payment as being due. ( See attached document ). There is no record of the pending XXXX XXXX payment. It has disappeared -- and it has never done that. 

Santander is known for this kind of activity and they put the burden on the consumer to keep the account current. You can imagine my distress knowing I just paid them the only money I have to make that car payment -- and they have no record of it. 

But I do! I always save screen shots of receipts when I make payments to them. They are as crooked as Light is Day. 

I have all the files showing the balance due, the payment history showing the payment as pending, the XXXX XXXX payment receipts and the screen shot of my checking account showing Santander deducted the money from my account using my debit card. ( See attached documents ).
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one lowered my credit limit amount to balance of credit card based on miss applied credit card payment. My credit score has been effected because capital one decision to mis represent when payment was made. Furthermore this is a credit card that belongs to the XXXX business corporation and capital one is reporting in an adverse limits to my personal consumer report. The decision that capital one has made based on adverse reporting of payment is causing Irreparable damage to my score. This needs negative narrative needs to be removed and credit increased to normal limit.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

First progress card is reported with XXXX and alleged to be Charge-OFF is reported in deficiency of reporting mandates and or rites therefore the misstatement must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has suggested ailments in at least XXXX or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : On the subject of the item questioned above, reported as for XXXX, or XXXX, and as for XXXX and as such is one, each or all in aberrancy from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 


IF you choose to remove the account from my consumer report I will no longer pursue arbitration. I advise you strongly consider removing the inaccurate account from my consumer report and follow the FCRA regulations. or you will incur not only filling fees, but you will incur arbitrator Fees which can be from $ XXXX per day. The amount of money you will have to pay to only lose in arbitration is not worth the time or money. This is my only and last communication directly with you to resolve this manner. 

You have been notified of the inaccurate reporting which now you are mandated to remove from my report or be in violation of 15 USC 1681n Willful Non Compliance which I am entitled to {$1000.00} for damages sustained, and you are in violation of 15 USC 1681o Negligent NonCompliance.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( 2 ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( 3 ) : No signed invoices EXIST ( 4. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( 5 ). There is no wet ink signature by both parties ( 6 ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice
Consumer complaint received 2023-11-20
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. (FL)

account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( XXXX ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( XXXX ) : No signed invoices EXIST ( XXXX. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( XXXX ). There is no wet ink signature by both parties ( XXXX ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, wanting to check my credit scores, calling companies to relieve fraudulent accounts to start my life. Theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX  for {$790.00} XX/XX/XXXX XXXX XXXX XXXX  {$790.00} XX/XX/XXXX XXXX XXXX XXXX  {$770.00} XX/XX/XXXX XXXX XXXX XXXXe {$380.00} XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXr {$220.00} XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TN)

Violation of 7-in-7 rule. Where as Flagship Credit Financial has contacted me more than 7 times in 7 days. The overall aim of Regulation F is to outline prohibitions on harassment or abuse, false or misleading representations and unfair practices. Its a rule of the Fair Debt Collections Practices Act ( FDCPA ), which is enforced by The Bureau of Consumer Financial Protection ( CFPB ) Violation - *Civil Liability 15 USC 1692k, 1692n, 1692o A debt collector who fails to comply with any provision of the FDCPA or Regulation F
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i am in need of immediate need of my credit card to be opened as I never instructed for this account to be closed as it is against the law to close an account without my written consent to close the account. I am being damaged and I need this account opened as i am experiencing actual damages and I can not use my own credit. open my account now. provide proof that I allowed this closure?
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MI)

SECURITY CREDIT SERVIC has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SECURITY CREDIT SERVIC has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

Used Zelle through my bank 's online banking system XXXX XXXX XXXX  ) to make a payment of {$45.00} for a concert ticket from my checking account. Seller continued to try to obtain additional money, and it became apparent that it was a scam and he did not actually have a ticket. Contacted my bank because the transaction is still pending to report the fraud and have the transaction cancelled. Customer service ( for Zelle, but contacted through my bank 's customer service number ) stated that I could not dispute the transaction until the money transfer took place, which could take up to 7 days. I stated that the transaction was fraud and that we needed to take action before the transfer was made, but the company refused.
Consumer complaint received 2023-02-16
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. (CA)

XXXX Equifax Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance XXXX {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XXXX with no successful outcome.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Pinebrook Holdings, LLC (DE)

On XX/XX/2023 I applied for a {$300.00} loan was asked to sign contract did for the {$300.00} next thing i know i am getting one for {$500.00} and asked to sign it but did not ask for the {$500.00} TODAY XX/XX/2023 was asked to send over copy of bank statement and copy of paystubs then sent message to sign contract again that i had missed a signature line go in and now it is {$800.00} still only asked for the {$300.00} i was denied for the {$800.00} But did not want the {$800.00} I only applied for {$300.00}. When i called to speak to a manager and supposedly they were all in a meeting. When i try to go back into the documents it doesnt let me see any of it other than a denial letter and no loan number at all.