davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (AL)

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 XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

============================================= XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX xxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


============================================= Transunion ============================================= XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxx XXXX, has violated my rights. 
============================================= 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( 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 2024-04-26
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. (TX)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since XX/XX/2023 I can't access to my Equifax portal, I been paying for months and nobody seems to know what's going on. I need this to be resolved ASAP.
Consumer complaint received 2023-12-17
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: Optio Solutions, LLC (AZ)

A medical debt from a Vet was paid in full to the medical office. This debt occurred due to medical treatment of my pet. The Vet is a Dr and the amount owed was medical debt under {$500.00}. Ive repeatedly disputed this trade line with all credit bureau and the have not correct the issue. This medical debt of {$280.00} was paid in full to original creditor and is to be removed since it is medical debt as classified by the the credit law. CFPB said that the three largest credit bureausXXXX XXXXXXXX, and XXXXannounced that all paid medical debts and unpaid debts less than a year old would be removed from credit reports. In XX/XX/2023, they extended this to all medical collections under {$500.00}.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

The law offices of XXXX, XXXX and XXXXXXXX XXXX have falsely impersonated as XXXX XXXX XXXX. They have sent a letter showing that they act as a third-party debt collector but yet for the same debt they turn around and say they are representing XXXX XXXX and try to sue me and garnish my wages. 

There has been a request for discovery to prove their relationship and to produce any agreements but they only answer with credit card statements which they have not been authorized to have and are in violation of the FDCPA. 

.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have a CHASE checking account and a CHASE credit card. I was due to receive an annual anniversary points bonus of over XXXX points in XX/XX/2023. I made an enquiry and was told it would take up to 90 days. I waited 90 days and now I am told that my account was not in goodstanding- which it was. CHASE has not offered to send me the anniversary points I earned.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Long story short, my credit limit was at {$4000.00} and for some reason you guys dropped it to {$1300.00}. I have approved flex charges from XXXX that charge my card each month. Because you Synchrony Bank lowerered my limit without my knowledge and without notification, I had a bounced flex payment. I am legally required to make minimum payment or more and because my sudden decrease limit, I had a bounced flex payment. I had to pay more than the minimum payment to keep my contractual agreement with XXXX. What synchrony bank is committing is the Unfair Lending Act.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (ID)

In XXXX Wells Fargo Auto granted me automobile loan with no verifiable income. After the XXXX financial crisis I was unable to keep up with the monthly payments and was harassed day and night with phone calls and even people coming to my residence to demand payment. I eventually surrendered the car to a Wells Fargo bank. I never should have qualified for the loan, but since I lost my trade in a predatory car deal and had no other means of transportation, I had no choice but to take it.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (WA)

There is a XXXX debt that wasnt mine on my credit report so I called XXXX and they said the account has been closed so they told me to call the debt XXXX and the debt XXXX told me to file a police report for identity theft
Consumer complaint received 2023-08-26
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. (IL)

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 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 2024-04-26
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. (NY)

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 name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 aa consumer reporting agency can not furnish an 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 2023-12-29
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: Experian Information Solutions Inc. (OH)

Hello. I've sent in request to have old address and names taken off my report profile with XXXX, XXXX and Experian. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my XXXX report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.
Consumer complaint received 2023-07-03
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. (MD)

My name is 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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (GA)

I had to relocate quickly due to a XXXX  XXXX situation. I had 6 months no interest on all purchases and it until this happened I had never paid interest on any charges. It was not until I was having to pay for things I usually did not to keep from being XXXX  with XXXX that I did start having things getting interest charges and getting behind. It took me a bit to get somewhere safe and get settled in before I was able to start dealing with things but I am including the emails where I reached out to the executive email for PayPal when I was unable to reach anyone outside of my work hours or that could assist. He refused to provide a direct number when I asked as I can not take calls while I am at work and kept wanting a time when he could call me. I have been trying to deal with investigators, the DA and many other issues and had to put it aside but when I called because my access to my statements has been blocked they refused to allow me access until I made the minimum payment. Some of these charges will need to be disputed as they are coerced charges as per the DA 's office and my Victim 's Advocate but I am being denied the necessary information so that we can try to address this and get my account back in good standing. They can see that for about 1.5 years prior I was not late with payments, always paid more than the minimum and never had interest charged on my purchases because I paid them off within the the 6 months no interest period. But I am not getting anywhere and not able to reach anyone that can do anything and now I can't even access my statements so I can dispute the coerced charges. I am including the police reports, bond conditions and screen shots of emails from the PayPal executive. Also the latest case I have not gotten a police report for. It is for texted death threats but the case number is XXXX and is with the same office the rest of them are with.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a victim of identity theft someone has obtained my personal information and open up fraudulent accounts in my name. I did not authorize nor provide permission to do so. Ive filed a police report with the police department supporting this identity theft, including that my social security card and drivers license was stolen.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IL)

I took out a 35 % annual loan with One Main Financial to help my son out of a jam. If I'm not mistaken, it was in the summer XXXX. 

The loan was refinanced from payments going from mid XXXX to where it currently is at {$430.00} a month. 

I've kept my payments ON TIME for 36 months straight!!! ( see attached payment list ) I encountered a setback in XX/XX/XXXX when my car went in for major repairs. 

I called and explained everything to " XXXX '' ; the office manager at XXXX XXXX XXXX. 
XXXX, Illinois XXXX ( XXXX ) XXXX I gave her a projected timeline where i can get back on tract payment-wise. 
( see attached text message for conformation. ) Nevertheless ... ... ... this manager proceeded to call my number repeatedly SEVERAL TIMES EACH DAY!!!!! From XXXX til today XX/XX/XXXX... she has 40 calls logged on my call list!!! ( see attached call list ) I refuse to do any business with this office!!! 

This is a concentrated effort to harass me! 
There is no reason for this outrageous behavior! 

I am always on time with my PAYMENTS! 

I expected to receive a cordial understanding after looking at my pay records. 

And furthermore, if my payments began in XXXX ; notice the list of payments began in XXXX! Not to mention the " creative bookeeping in the interest column ''. 
( see attached pay listing ) It would seem ... .. this loan would be payed off by now? 

I would appreciate your help in bringing justice to this office unrelenting brutal harassment tactics!!! The office manager thinks she is ABOVE THE LAW!

In conclusion, my phone is also my business phone so my clients can see these calls coming in hour after hour!! 

i have suffered lack of sleep, eating, and bowel irregularities for the last month dealing with the stress she has inflicted. 

I will also be contacting the main office for ONE MAIN FINANCIAL in XXXX, Indiana where XXXX XXXX is CEO. 

I'm sure he may not be aware that one of his XXXX branches behaves this way. 
... ..after all ... ... SHES A MANAGER! ..... someone has to control this woman 's antics. 


thank you in advance CFPB for your prompt assistance with this. I'm currently 2 payments behind at XXXX each plus late fees. 
of course, I fully intend to make some arrangements to catch up and pay this loan off honorably as I always do. 

but ..... I no longer want to work from this office!... 

I normally pay online anyway ... ..and ... hope they can find the error in payments made so far? ... .Something seems real off there. 

thanks again
Consumer complaint received 2024-04-26
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. (IL)

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 trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

There have been 5 escrow analysis done on my account without informing me. There was a payment made from Texas HAF in XX/XX/2023 and the money was not distributed correctly and it still has not been resolved. My mortgage payments are not going towards my principal/interest/escrow consistently and instead, payments have been made towards my 2nd loan ( down payment assistance ) on my FHA loan.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX opened an Operating Account at BOA On XX/XX/2023, XXXX XXXX XXXX, XXXX opened an Operating Account. 
We were then in talks with XXXX XXXX at BOA Private since XXXX in regards to opening a Private Bank Account and XXXX XXXX trade account. 
On XX/XX/2023, we had a call with XXXX from the XXXX XXXX XXXX  team and discussed opens for different accounts. XXXX made an assumption pertaining to our investment strategy that we were trading other peoples money, when if fact we are not and had our accounts frozen and shut down on XX/XX/2023. BOA is now holding XXXX $ XXXX of capital and has caused issues with another $ XXXX that was being wired into our account from services sold.
Consumer complaint received 2024-04-26
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. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

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 2023-12-13
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: Experian Information Solutions Inc. (IL)

I submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX : XX/XX/1986 Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (FL)

I sent a letter to all 3 major credit bureaus, demanding that they remove fraudulent inquires from my credit report. XXXX complied with my request, but Experian and XXXX did not. I never authorized, nor was informed of these inquires.