davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (NJ)

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 title 15 U.S.C. 1681 : XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX : # XXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX Barclay 's Bank Delaware secured a judgment against my brother in Alabama, for unpaid unsecured credit card debt ( {$2600.00}, last reported to us as *now* {$2700.00} ). 

On XX/XX/XXXX, my brother died. 

From about XX/XX/XXXX, my family has tried to rectify this matter as it now seems to impact properties our XXXX XXXX  owns in full and independent of our deceased brother. 

Calls were made to Barclays and/or everyone to whom they directed us in XX/XX/XXXX, several times in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These include calls to Barclays ( I assume collections agents ) XXXX XXXX ; XXXX, XXXX ID # XXXX, and others. 
Faxes were sent in XXXX several times in XXXX to provide ( identical ) information Barclays agents requested, and on XX/XX/XXXX, XX/XX/XXXX, and at least XXXX other unrecorded dates. Documents were also mailed. 

We were informed on a phone call that the account had been closed and cleared. We also received a letter from Barclays stating that the account had been closed after my brothers death. The title company states that a judgment against our brother 's estate remains. 

We have explained *in detail* the issues related to our mother 's properties, our understanding of the statute of limitations on Barclays ' effort to collect on this debt, and that our brother is dead. Barclays has resisted any corrective or productive communication, either in writing or on ( witnessed ) phone calls. Barclays has requested that the same document ( XXXX ) be submitted again and again, and then still taken no action. 

Barclays has sent no information and provided no guidance about how to get the judgment removed from XXXX XXXX XXXX solely ownedproperties. They have sent us in circles, from one department to another round and round and round.

Our contention is : 1 ) Barclays has no right to retrieve the debt based on the statute of limitations for collection.

2 ) Barclays has been intentionally uncooperative and unwilling to relieve even our XXXX  from an issue that is entirely unrelated to her.

3 ) Barclays has been intentionally and willfully uncooperative in relieving our deceased brother 's property from the property lien.
Consumer complaint received 2022-11-22
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)

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 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 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 XXXXXXXX, 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 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 or 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 2022-11-22
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)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXX XXXX XXXX : {$320.00} ; XXXX XXXX XXXX XXXX XXXX : {$560.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$640.00} ; 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 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
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Brand new mortgage, first payment due XX/XX/2016. Payments are {$1100.00} a month. Made two {$600.00} payments in XXXX, none of which was applied to the XX/XX/XXXX payment despite the fact that both payments were made before the XX/XX/XXXX due date. Made inquiry and request to have the payments from XX/XX/XXXX applied, which they did. Was informed that they " do n't accept partial payments because their systems ca n't handle it ''. I was also told that if I make partial payments, they will likely not get applied to my account. I have received nothing from the servicing company, ever, much less anything stating this policy. My financier 's statement clearly states that partials will be held in a suspense account until enough is paid to cover a full payment.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please note, this is a not a duplicate complaint and I'm not using any third party for this matter, I'm sending this complaint because Transunion credit Bureau has reported hard inquiries that I have never authorized. I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. I have filed FTC report and included in this complaint It should be noted that these inquiries were not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these items from my report as soon as possible.
Consumer complaint received 2023-07-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (CA)

XXXX and XXXX XXXX reported information on my credit report for XXXX XXXX on XX/XX/XXXX and for loanme on XX/XX/XXXX without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter
Consumer complaint received 2022-11-22
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. (CA)

I ordered my credit report and found several items that were never authorized. I sent a letter to Tansunion and received a letter back saying the information was correct. I sent a second letter asking how this was determined and received a letter saying that I was a credit building business. Below are the items I would like removed from my credit report that were not authorized. 

XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX XXXX  I received a targeted email offer from Capital One for a {$350.00} bonus upon opening a 360 checking account and making two deposits of XXXX XXXX  within 75 days of account opening. I accepted the offer and followed the link to apply with the promo code. 

The next interaction was also via email. Capital One requested identification on XX/XX/. I submitted this documentation and was told that a response would likely come in the next two days. 

Because I had not received a response, I called Capital One on XX/XX/XXXX. I was told by the agent that the application had no activity on it, but that I was eligible for the promotion and he would help me complete it. After giving the agent some personal information, I was given a link to continue the application. This link did not work. However, the account was open by the end of the call. 

After opening the account, the agent transferred me to the account activation department, where an agent ( named XXXX XXXX told me that the account had been opened without the promo code and assumed that the error was mine. I explained the situation and asked her to correct it. She refused, telling me that I could try calling again in XXXX, after the eligibility period expires, and maybe they would help me. I asked if she would vouch for me, and she said she would not. 

So, I was left not knowing if a system error had occurred, or if the first agent had simply started the application from scratch without applying the promo code, or if I had fallen for some kind of trick. I called again today and asked to speak to a manager. The manager, XXXX, told me essentially the same thing, except that the earliest date to correct would be XXXX, not XXXX as the previous agent told me. She also did not try to pin the mistake on me and was much more professional, explaining that such system errors do happen and that following up in three months is the standard protocol. She gave me her employee number and the case reference number. 

While XXXX was much more pleasant and professional, I am still not satisfied with how this promotion is being handled. I read the fine print and this was not part of it, a promo code does not simply go missing mysteriously, and if such a thing occurs so frequently, the proper way to handle it is not to delay resolution beyond the promotion period and leave the customer at the mercy of a phone agent. When personal information is given in exchange for something, that creates an obligation and is not easily reversed. This is more serious than simply refusing to accept a coupon.
Consumer complaint received 2023-07-11
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. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2024-03-22
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-11-22
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-10-30
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: EQUIFAX, INC. (NJ)

there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
Consumer complaint received 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

My mortgage closed on XX/XX/XXXX and subsequently sold to Amerihome. Because it was a newly built home, taxes were not yet determined so the initial escrow payments were higher than they should have been. I understood this and accepted the higher escrow payments, knowing I would be getting any overpayments back. 

In XXXX XXXX, an escrow analysis was completed and a refund over {$3000.00} was received. 

On XX/XX/XXXX, my escrow was again over funded by over {$4000.00} so I contacted Amerihome via email to request an analysis as per their instructions. At that point, all bills for the year had been received so all payments were known. Amerihome responded, telling me that I had to hand write a letter requesting an escrow analysis and provide all documentation. They had the documentation in their system and it made no sense as to why a hand written letter was required, other than to give me the run around. When I explained that under the law, they were required to perform and analysis, the response was that it is their policy to require a hand written letter before performing an escrow analysis. 

I am asking for assistance for the quick return of my excess escrow balance and an escrow analysis to be performed in order to align my payments to my actual bills. 

My mortgage payments have always been on time and my account is up to date. 

Thank you!
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Ive tender payment also sent all necessary tax form for the account to be paid in full. I never got a response to the matter after affidavit has been faxed and sent by mail.
Consumer complaint received 2022-11-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone has applied for a Bank Of America Credit Card ( Free Spirit Travel More World Elite Mastercard ) using my personal details. I noticed the theft when I received an email from Bank of America. I have contacted the Fraud department of Bank of America and they have confirmed that my information has been compromised and initiated the investigation.