davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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. (OH)

I had sent the following letter to Transunion via XXXX certified mail. I will post the contents of the letter below. I had recently tried to get an auto loan for which I was turned down for. I had checked into my credit file and found my identity was used to open several accounts. 
RE : File number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

I had supplied the credit report which clearly marked the accounts in question, along with ample proof of identity. I also included a copy of the Identity theft report, and a copy of 605B. This letter was sent out on XX/XX/2024 after putting a security freeze on my credit. They received the letter on XX/XX/2024. I received a letter today XX/XX/2024 which the letter is dated XX/XX/2024, but postmarked as XX/XX/2024 which is over the 4 day threshold. In their letter, they are refusing to block the fraudulent items on my credit, even though all required proof was submitted. The other XXXX credit bureaus blocked the information and deleted as such as required by law. I firmly believe that this is an intentional move by Transunion as they have no intention of righting a wrong and do not care about how a victim like me already has their life turned XXXX down and will not help, nor do what is legally binding to clear this crime up. I have also sent in the latest letter proof of a multitude of breaches I was involved with just as a supplement.
Consumer complaint received 2023-12-27
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: CBC Companies, Inc. (MA)

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Factual Data None of the Credit Agencies will help me without CFPB or FTC assistance. Thank you
Consumer complaint received 2023-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On Wednesday XX/XX/XXXX I received a letter in my mailbox that said certified mail with out a signature. I also received a package that was not included in my mail even though it had a USPS red stamp. I went to the post office to confirm this and see who signed for it and was told it is still in route and not delivered yet. I also confirmed this by the web site. In this letter they said If I had not made a payment by XX/XX/XXXX, they would put me into foreclosure. I was not even 45 days behind. Virginia law says 120 days. I already had the money so I went to the bank branch in XXXX VA on XX/XX/XXXX and decided to pay what I owed. I handed the teller my ID and asked for XXXX. Cash from my checking account and then asked to pay my mortgage. I gave her the account number and then the look of confusion came on her face. She asked if it was in a different name and then I said I changed my name already with the mortgage company. I had to give her my old Id before she could process my cash payment. She advised me to get my name changed to reflect the XXXX because it is still under XXXX. Why is it still under XXXX after all the XXXX they put me through to change it? The larger package contained 2 sided printed pages. To include false copy 's of my loan. They do not match the font of my original loan and they have added a hand written date to one and deleted names and made changes to the copy 's they sent me. They also said they ordered an inspection of my property, Again my land is posted and unless you have a warrant and the local police dept with you, You are not permitted on my land. It is a violation of my constitutional rights. I have also decided that the only way you are going to stop with the harassment and attacks is to put my house up for sale. I have already taken the necessary steps, and XXXX XXXX XXXX is currently listed on the market. I have a company under contract to handle this for me.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CO)

I had a Chase Southwest branded credit card. Throughout XXXX and XXXX, I reported several overseas fraudulent charges were made on the card. I reported these to Chase, but they never took action to close the card to prevent additional fraudulent charges, hence breaking their own terms and conditions to protect their clients. They then closed this card, and all other personal and business cards I had with the company and refuse to open new cards with no explanation of why they are harassing me with this.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXSubject : Unauthorized Inquiries on My Credit Report Dear Experian Team, I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry Type : IndividualI wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA.I respectfully request that Experian conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy.I trust in Experian 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken.Thank you for your attention to this matter.Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Today XX/XX/XXXX  when I checked my email I got a message saying a bank account was opened in my name yesterday XX/XX/XXXX  and I did not make this account.
Consumer complaint received 2024-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paragon Subrogation Services, Inc (NY)

This report unveils a harrowing journey that began with a seemingly innocent leak and evolved into a tumultuous debt collection ordeal, all unfolding at my unit XXXX. At the center of this narrative are the characters XXXX XXXX, former owner and occupant of XXXX, and XXXX XXXX, the property manager of XXXX XXXX. XXXX, who once sat on the board of directors for XXXX XXXX XXXX, reported leaks in his unit back in XXXX and XXXX of XXXX, setting the stage for a cascade of events. 

Despite my protests and the fact that my maintenance covered any potential leaks, the situation escalated. The ordeal reached its peak when I started receiving aggressive letters from Paragon Subrogation, a third-party debt collection agency, alleging I owed {$810.00} for damages to XXXX. A disputable claim, as evidence from a leak detection report proved that my unit was not responsible for any leaks. 

The troubling aspect emerged when XXXX XXXX, no longer on the board, returned, raising concerns about a recurrence of such issues without adequate safeguards. Furthermore, the complicity displayed by the property manager and the board of directors is alarming. Emails and letters were exchanged, but they insisted on my responsibility for the debt without ever inspecting my property. 

To elucidate the events leading to this predicament, on XX/XX/, I reported a toilet issue, leading to subsequent bills and assessments. Confusion arose as to whether the problem originated from my unit 's toilet or shower bench, with XXXX XXXX being indecisive. Paragon Subrogation 's claim, coupled with the threat of legal action, intensified the distress. 

In an attempt to resolve the matter, my insurance enlisted a leak detection technician who confirmed the absence of leaks from my unit. However, the issue persisted, culminating in a Final 10-day notice from Paragon Subrogation on XX/XX/2019.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America XXXX XXXX XXXX is requiring me to pay for medical expenses that they have been reimbursed for. They withholding my access to capital. This card can only be used for medical expenses. They are too aggressive with their requests. All of the request are AI generated strong are tactics.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This company was previously removed from my credit report due to several inaccuracies and FCRA violations. They have written me again continuously trying to collect a debt not owed. The verification of debt they have sent is not the original purchase agreement and they also do not have the correct information such as my legal name, phone number or address. Furthermore, this financial institution does not have my written consent to disclose my personal information to any third party neither did the original creditor which makes this a violation of the FCRA according to 15 USC 6802 ( b ) ( 1 ) ( B ).
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (PA)

Im beyond furious with another payment returned. Check out the emails Ive enclosed. I dont have accounts with XXXX XXXX or XXXX XXXX XXXX linked to PayPal Credit. 

My default auto payment is XXXX XXXXXXXX XXXX XXXX. While settling in with family for XXXX XXXX, I saw these emails. I quickly made payment from XXXX XXXX XXXX, XXXX XXXX to me Synchrony! 

Im escalating this to the CPFB as well. My account with XXXX is in good standing and has been funded when these payments were presented. 

Im asking for refund of any fees ( returned item and late payment ). 
Im also asking the account be closed to advances per my instruction and my credit report note as such. The closed by creditor is a negative on my credit file and this closure has not been my fault. 

Im planning to pay off by XX/XX/XXXX to avoid deferred fees and will have to consider whether to give PayPal and Synchrony any of my business with this continuing horrible service experience.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (AZ)

Compass bank XXXX  XXXX XXXX, r h XXXX XXXX. employee XXXX assaulted me physically and mentally and said threatening things to me and invited me to step outside but locked the door and held the door locked while giving me the middle finger in front of him while making threatening gestures, this is very unprofessional, and criminal behavior and needs to be punished because of the way he did me! I am very angry that the compass bank would not be accountable and hold XXXX responsible for this criminal act, I will not be pushed aside and have to escalate this to issue again and request a penalty for the behavior of XXXX, I am also still seeking the interest that the Bank owes me due to XXXX XXXX error in not informing me of the interest change and causing me to lose my earned interest, she promised to let me know if the rate changed so I could make a adjustment in my account. She is responsible for this loss, and the compass Bank has to be accountable, sincerely, XXXX XXXX XXXX, Arizona
Consumer complaint received 2023-12-25
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. (AZ)

Trans union is not in metro 2 compliance and is reporting inaccurate reporting which is affecting my livelihood. The account isnt mine and was never notified nor did i give my consent to furinish anything on my credit report. 15 USC 1681 Permissible purpose, 15 USC 168e ( b ) COMPLIANCE PROCEDURES ( b ) Accuracy of report 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.

I will go to arbitration if this matter is not handled. I want my {$1000.00} or you will incur more fees as litigation takes place.
Consumer complaint received 2024-01-11
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)

Hello and XXXX XXXX XXXX. I have reached out to the credit bureaus several times at this point to dispute several collections that do not belong to me. Each time it comes back as verified. I sent a certified letter requesting them to validate/ verify the debt and I also asked them to provide the method in which they verified the debt. Additionally, I asked for any and all signed contracts and or any valid documentation that proves I owe the debt which is their fiduciary duty. The credit bureau 's however did not send me ANY of the requested information and just instead sent me an itemized letter once again stating the debts had been verified. They however, did not provide method of verification as I requested nor did they provide even a single piece of documentation proving I owe any debt to any creditor. This is unlawful violation. 15 U.S.C 1681G. Please see the attached dispute letter that was sent to the credit bureau 's and their response. 

Attached : Driver 's License, Dispute letter, Response to Dispute
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This company continues to make false claims. This is my fourth complaint and I will need to get legal representation. 
Have pulled my credit report today XX/XX/XXXX and this shows reporting as a collection and not paid. I asked for proof rash and Curtis told XXXX to delete the debt and they didnt They said if I pulled my credit it would not show that is also a lie Now I will need to go to court to have them keep their letters claim which is to request XXXX  to delete
Consumer complaint received 2018-10-23
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. (CT)

Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/23 I XXXX XXXX applied for an American Express platinum card using my social security number which is a trust account. Upon submitting my application I received a denial which I am disputing a trusting reconsideration in the following grounds. Per the indenture agreement, XXXX, and XXXX forms filed with the SEC the consumers application is a promissory note and used as security collateral and deposited for the issuance of new securities and funds. The application is a promissory note thus there is actual cash value exchanged for the services of a credit card via American Express. Regardless of the reason for the denial ( based on company policy and not Consumer Laws ) I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me access to my credit, please retract my application.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (NY)

My information was compromised during the XXXX XXXX XXXX. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Greeting Team, LLC DBA Customer Care Global (MO)

Tribal loans were signed up for online using my information. I have since closed my accounts and changed credit card numbers. I have been notified the debts are being collected by Customer Care Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX The company was notified via email on XX/XX/XXXX 
The fraudulent deposits into my account were made by a shady group of online tribal lenders. 

The websites were XXXX XXXX and XXXX XXXX 

I am unaware of how my information was obtained. I have also received threats from other companies in this group of loan affiliated companies alleging loans taken out years ago that never happened.
Consumer complaint received 2023-07-15
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. (IL)

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


XXXX XXXX XXXXXXXX 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 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.