davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TN)

I tried to use my prepaid card ( which I registered at XXXX ) and the card was locked, I called the company and they told me I need to fax them a photo of my card, along with my ID and SSN, which I refused to do, they do not need that info, I called the number on the back of the card ( XXXX ( XXXX ) XXXX )
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I filed an FTC report for the fraudulent activity on my credit report. Bank of America has flagged my credit report for late payments and charge offs. I have no knowledge of this account. The accounts are not mine.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery Associates , LLC, defined as a non-affiliate third party by 15 USC 6809 ( 5 ), allegedly committed identity theft under RCW 9.35.020. The original creditor, XXXX XXXXXXXX, a financial institution per GLBA 15 USC 6809 ( 3 ) ( A ), lacked my consent to share personally identifiable financial information with Portfolio Recovery Associates , LLC, potentially violating 25 USC 6802 ( b ). This includes fraudulent acquisition of my non-public personal information, defined by 15 USC 6809 ( 4 ), for debt collection, constituting an unfair practice under RCW 19.86.020. 
Furthermore, Portfolio Recovery Associates , LLC illicitly disclosed my financial information to consumer reporting agencies, violating my privacy rights and potentially constituting crimes under 18 USC 894 and 18 USC 242. 
Additionally, there are concerns that Portfolio Recovery Associates , LLC may be attempting crimes of trafficking in persons through involuntary servitude as per 22 U.S. Code 7102 ( 3 ) & ( 8 ).
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Tracking # XXXX- XXXX XXXX has had my application on hold for an unusual length of time. They claim it is because they need documents from me to verify Information. I have done as I was requested and sent them everything and still nothing has happened.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 1 ) XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 2 )  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX -XXXX XXXX 4 ) XX/XX/XXXX -XXXX XXXX
Consumer complaint received 2017-09-23
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. (PA)

Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.
Consumer complaint received 2023-05-09
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. (CA)

ON XX/XX/2023 I contacted TransUnion, XXXX, and XXXX and explained how my consumer rights were being violated when it comes to reporting transactions. Both XXXX and XXXX removed the account with XXXX XXXX XXXX XXXX XXXX XXXX. So I then sent a 2nd letter to TransUnion explaining that my rights were being violated. 


You must follow the law 15 USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15 USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. 

Transunion still is reporting the account and I also got a letter from XXXX XXXX bank stating their company policy is to report all payment histories. 

TransUnion is not reading the laws and they need to be informed. Please do so and remove this account from my report.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: COAST PROFESSIONAL INC (AE)

I dont answer to XXXX calls after declining the call my wife was called by the same number almost instantly. Furthermore XXXX the number we found out the caller is from Coast Professional inc. did not leave voicemail.
Consumer complaint received 2023-05-09
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. 


Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (GA)

I am locked out of my account. I called over a week ago and was on hold with the rep for over an hour. He kept referring to " my case ''. Then he mumbled something about my banking with another bank. I told him that I did not bank with the bank he quoteds. Then he tried to verify my identity. The phone number on my Marcus account is outdated and I gave the rep my current phone number. He tried to send me a text for verification and it failed. I asked to speak to a supervisor. He could never get access to a supervisor. After an hour on the phone, he told me someone would call me within the week. No one has called. Today I went thru the same scenario with XXXX who finally transferred me to his supervisor XXXX, who put me on hold for XXXX minutes. Her final solution was to send me an affidavit via snail mail to verify my identification or close my account and mail a check to the address on record! I chose the latter. I planned to close my account after this hullabaloo! My money, {$160000.00} has been inaccessible for over a week. How can this be? Sucky customer service and poorly trained personnel!
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a checking account with Citizens Bank. It was closed in XX/XX/2023 and still have not received the balance of the funds that were on account. I called on XXXX to ask if the funds were being released. The rep told me that the account was closed at end of billing cycle XXXX and check issued for {$6000.00} should receive the check by XXXX. On XXXX, was told there was no moneyissued and account under review. Couldn't explain why was told check issued. As the months go by they have removed XXXX for a maintenance fee Have had 3 fees removed and pending a fee for XXXX. I have no access to the money and this is holding me up from moving. Just want the balance since account closed.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (MD)

I attempted to open an account with their subsidiary XXXX. After going through the entire process ( including downloading the app, creating a login, etc. ) I was denied. 

The bank refuses to furnish a reason for the denial, and refuses to tell me how I can rectify it.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Financial Network Inc. (CA)

AFN sold my mortgage to XXXX XXXX without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now AFN and XXXX XXXX are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as Human trafficking. 

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of Trafficking defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Consumer complaint received 2023-05-09
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. (TX)

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, 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 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 2023-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

This company purchase my loan from XXXX and then sold my loan to XXXX XXXX  and are claiming they dont have access to my insurance check that XXXX transferred to them on XX/XX/2022. I will post documents with proof of XXXX stating they transferred proceeds. My property is having more damage as a result of this negligence and robbery from these companies negligence towards me as a consumer. I feel these companies are breaking laws by giving my information away without consent from me.
Consumer complaint received 2018-09-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (FL)

The current financial institution is Mariner Finance, previously, XXXX XXXX. Since the beginning, I've been doing business with them for around 6 years or more and I had never pay late, never to them. But last year I had to apply for Bankruptcy chapter XXXX, XX/XX/XXXX, and by that time I decided to keep the loan and the vehicle. When I received the payoff letter with the amount of little more than {$6000.00} and the vehicle market value, salvage value, any kind of value is less than a {$1000.00} more close to {$500.00} it was not worth it to keep it. I was going to pay more than {$6000.00} for almost 4 years and the vehicle won't last that much. In XX/XX/XXXX I talk to my lawyer and it was included in the Bankruptcy surrendering the vehicle. The Chapter XXXX was discharged in XX/XX/XXXX but, even though it was included in the Chapter XXXX in XX/XX/XXXX, Mariner Finance kept charging me the monthly amount of {$190.00}. I know it because in my credit report it appeared as an active account and in XX/XX/XXXX I had a past due amount of over {$1200.00}. After talking with them a few times to send somebody to pick up the vehicle and close the account, they did nothing about it and the vehicle is still in my front yard. I'd file a dispute with XXXX Credit Report Agency and finally Mariner Finance close the account as of XX/XX/XXXX for the purpose of the credit report only. As of to-date I had enter their web site and into my account and I have a past due balance of {$1400.00} that is of payment from XX/XX/XXXX to XX/XX/XXXX, 7 months of {$190.00} = {$1300.00} plus a late fee charge of {$15.00}. Do the math. Obviously, this account was included in the Chapter XXXX, discharged in XX/XX/XXXX, so, this account should be totally close, not adding a monthly payment at all. {$0.00} debt, closed, XXXX, period. As a matter of fact, Mariner Finance still has the title of the vehicle, I don't have a problem with that. But, if they are not going to pick up the vehicle, don't you think they should return me the title? I can't do anything with the vehicle. It's just sitting there. Can you help me, please? Note : If you need the account number, please, email me and send me how to contact you.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Synovus Bank (NJ)

MY account number was listed wrong on here and I called today and they told me that my account was good. Then they saw two late payments on there and the lady on the phone helped me out and got it taken care of. I made a payment on XX/XX/XXXX and I don't know what is going on. If my payments are being reversed when my account is good then I am not sure what is going on. Please help me in removing these late payments because it is not my fault and I don't want this error to haunt me for the rest of my life. I told the lady on the phone and she said its not like you weren't trying to make the payments so dispute it and we will remove the late payments.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

on XX/XX/2023 I have sent documentation to XXXX to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off my credit report.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc. (MA)

I moved into a rental property - XXXX XXXX XXXX XXXX in XXXX, XXXX that was managed by XXXX XXXX XXXX XXXX, in XX/XX/XXXX. I left the property XX/XX/XXXX, which at that time it was managed by XXXX XXXX XXXX. I moved back to XXXX. Before I moved away from the property I tried to settle any outstanding financial obligations that I may have owed. At the time, the property refused to deal with me directly and said that I would get a letter in the mail. I left the state of XXXX  in XX/XX/XXXX as my job was being transferred back to XXXX. I did break the lease early. I did receive a few calls from a collection agency demanding payment in XXXX. Last year, XXXX I worked with a HUD approved agency and we were able to rectify the situation and close out the account. I have attached a copy of the two letters that I received from XXXX XXXX regarding this matter. There is nothing showing on my credit report. Fast forward to today XXXX. I am in the process of applying for a apartment and I was told that I have an inquiry on RealPage/Leasing Desk? I have never heard of this place and I am not sure why my name is even coming up in this particular system. The information that is showing is not correct nor accurate. I called around on XX/XX/XXXX trying to locate the source of who put this information in my file. I was told that the property XXXX XXXX XXXX is now being managed by XXXX XXXX XXXX - they could not assist me. I called around and spoke to someone at XXXX, XXXX, XXXX, XXXX XXXX and Real Page/Leasing Desk and no one is able to confirm why this is information is there. 
At this time this inaccurate information is preventing me from acquiring a safe and decent space for me and my children to live.
Consumer complaint received 2023-05-09
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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