davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (FL)

My name is 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 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.
Consumer complaint received 2023-07-26
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. (IL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I am on total  XXXX  I have tried to get this loan discharged for at least 5 to 8 years. They send paper work. I fill it out at least five times. Nothing! Navient is the provider my credit is  XXXX  it 's killing me. Do not know what to do or how to fix it. I get ssdi and ssi and food stamps I qualify.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-16
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: SYNCHRONY FINANCIAL (FL)

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3. SYNCB/JCP 4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX  1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts   XXXX    1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3. SYNCB/JCP 4. SYNCHRONY BANK 5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am trying to settle an old charged off account. I received a response from Capital One stating that if I removed the " cease and desist '' from my account that I could then be offered a settlement. I called Capital One today XXXX/XXXX/16 and asked that they remove the " Cease and desist '' from my account as instructed. I then read the letter to them and told them that I wanted to settle on my account and wanted to know what sort of settlement offer they had for me. They told me that because my account had been XXXX that they could not do a settlement. This is not fair, this is not what I was told in the letter from Capital One on XXXX/XXXX/16. I then tried to call the number for XXXX XXXX that was written in the letter, however that was an incorrect number. Who can I contact to settle this account? Please help.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (FL)

REFERENCE CFPB # XXXX SECOND COMPLAINT _ NOT RESOLVED_ COMPANY RESPONSE IS NOT ACCEPTABLE. 

I REPEATEDLY TOLD THE COMPANY THAT I HAVE NO PERMANENT ADDRESS EXCEPT A XXXX XXXX I AM A XXXX  XXXX VETERAN I DO NOT HAVE ANY OF THE DOCUMENTS YOU REQUIRE TO PROVE IDENTITY SUCH AS DEED PASSPORT UTILITY BILL I PROVIDE THREE GOVERNMENT ID 'S TO YOUR COMPANY - THEY CANT BE ALL DARK COPIES. 

I PROVIDED THE TEMPORARY ADDRESS THAT I WAS LIVING AT FROM A SHIPPING LABEL. 

I PROVIDED THE RECEIPT FROM XXXX WHERE I PURCHASED THE AMERICAN EXPRESS XXXX CARD. 

THE RECEIPT HAS THE CARD SERIAL NUMBER ON IT. 

I HAVE FAXED THE RESOLUTION TEAM THREE TIMES AND THE CEO XXXX XXXX ONCE. 

I DO NOT HAVE ANY MONEY TO FAX ANY MORE TO YOU. 
I WANT THE MONEY THAT IS ON THE CARD IN THE AMOUNT OF {$100.00}. 

I WILL POST MY COMPLAINT ON SOCIAL MEDIA, I AM SURE AS A XXXX XXXX VETERAN, I WILL HAVE PLENTY OF SUPPORT.
Consumer complaint received 2024-02-29
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. (KY)

On the XXXX of XX/XX/2023, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 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 2023-07-26
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. (TX)

This is my Complaint about the negligence of the 3 Credit Bureau. I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the account resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : 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 2016-04-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To my surprise I received a collections letter in the mail dated XXXX XXXX, XXXX indicating that my account was past due. My records indicate my last auto loan payment with Capital One was on XXXX XXXX. Account due date is the XXXX of every month. I did not understand why I did not make the XXXX payment. I thought it was my oversight. I called Capital One on XXXX XXXX to become current and made the XXXX and XXXX payments {$310.00} for each month for a total of {$630.00}. I asked the customer service agent to check if I was getting paperless statements and she said yes. I was shocked because I do n't go paperless for this exact reason- I forget when the bills are due. She indicated " I '' switched to paperless on XXXX XXXX, XXXX. I told her I did not because the last time I went to pay was on XX/XX/XXXX. I only access my account once a month. I asked her to change my preferences to mail. I decided to check my e-mail and was surprised to find an unread XXXX XXXX e-mail from Capital One with the following headline : " Auto Finance statements are migrating to online only. '' It states, " we 're on a mission to deliver the best digital solutions for managing your finance account. As part of this journey, we 're moving to paperless-only statements for your account starting XXXX XXXX, XXXX. It explains how paperless statements work and then states " If you 'd like to continue to receive your auto finance statements in the mail, you can manage your statement preferences at any time. '' It provides a link. Well, Capital One changed my statement preferences without my consent and thought that e-mail notification was sufficient. Do n't you have to opt-in to go paperless? Did they forget my rights under the E-Sign Act? I never consented to the change and now my account is past due and probably being reported to the credit bureaus as delinquent. I can only imagine how this change has impacted thousands of other consumers who rely on their paper statement to make timely payments and Cap One is benefiting from the late fee revenue. I am writing to the CFPB to determine if Cap One has violated my rights under the E-Sign Act and if they have not to question the impact of this business practice because it is definitely not consumer friendly. Some consumers like paperless and some of us do not but it should be my decision not the bank. I 've been a customer since XX/XX/XXXX and always had my statements mailed per my choice and now they are going to remove that choice and the tell me if I want to go back to paper just change my preferences. Is this ridiculous or what. I am angry and amazed that management at Capital One would approve this change.
Consumer complaint received 2023-07-26
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. (CT)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

I signed up for a loan through Big Picture Loans on XX/XX/XXXX in the amount of {$800.00}. I was told and was under the impression that I would receive a one time finance charge of {$280.00} for a total repayment of {$1000.00}. I made my first payment on XX/XX/XXXX and went into my account today XX/XX/XXXX to check the remainder of the balance. The amount had n't changed so I looked into it further. I came to find out that the total finance charges are going to be over {$6000.00}! If I had known that this was going to be the case, I NEVER EVER would have agreed to the terms. The finance charges alone are more than my monthly car payment! I am a single mother of XXXX that does not make much money. There is no way this can be right! Please help!
Consumer complaint received 2024-04-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

I have tried on XXXX different occasions to contact them and dispute this debt. I paid off my cell phone and the XXXX XXXX ( who rang me out for the payment of my phone ) that I was free and clear and wouldn't be charged for any services because I am not using them. I have gone above and beyond in doing my due diligence to dispute this and have yet to be contacted back in return. I literally can not get ahold of anyone and tsi 's online dispute portal doesn't work. Like I said, I've done everything in my power to dispute this and am at a loss as to what to do next.
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (WI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXXE XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I paid off my credit card to XXXX  balance and then the auto payment went through the next day. I asked them to return the funds for the 2nd payment and they returned both payments by mistake. I spoke to the bank and they were supposed to delete the 30 day late from my credit report becuae it was the banks error that caused the late payment. The account is showing the XXXX balance yet the 30 day late rating remains.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: M&T BANK CORPORATION (VA)

M & T Bank acquired control of XXXX XXXXXXXX XXXX on XX/XX/XXXX, I continue to bank with M & T Bank. I had a saving account with M & T Bank for over 16 years. I had a secured credit card with M & T Bank and I completed all payments on-time and paid off the card. 
On XX/XX/XXXX I applied a secured loan with M & T Bank during the process M & T Bank used deception, fraud, and manipulation to obtain a credit report and then they denied me the loan on XX/XX/XXXX. ( Three days after completing the application ). M & T personal saving account, ending with XXXX with a balance of {$2500.00} as collateral for the loan. I pledged my saving accounts to secure the loan for {$2500.00}. I had the account for 6 months and I only received XXXX ( XXXXXXXX XXXX interest monthly on my {$2500.00} saving account ) On XX/XX/XXXX I applied a secured loan with M & T Bank. M & T Bank representative asked me, What was I using the loan for? I explained them I was using the loan to pay off a bill at XXXX XXXX XXXX XXXX, or otherwise tuition. 
On XX/XX/XXXX and XXXX XXXX, M & T Bank started questioning me about the loan. How many years you completed at XXXX XXXX? I told them I have XXXX XXXX and I working on my XXXX certificate at the University. Then M & T Bank said, we do not provide loans on tuition. They suggested I use XXXX XXXX. Then they denied me the loan. WHY ARE THEY QUESTIONING ME ON A SECURE LOAN? 
The on XX/XX/XXXX, M & T Bank representative suggested I request a debt consolidation Loan instead. She said, I had better chance of getting the loan. Therefore requiring me to complete another loan application. I was denied the loan. She said, there is something wrong on your credit report. 
My credit score is XXXX and I paid an M T Bank credit card on time. I continue to pay my auto loan, credit cards and other bills regularly. I have worked at the same job for XXXX years ; in addition, I have a second job. I co-own my house with my cousin and I have lived in since XXXX. The mortgage is paid regularly.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

This company picked up fraudulent debt from another debt collection agency that we had already proved we didn't owe the money too. We do not believe we ever owed this debt, but even if somehow mysteriously we did it would have been taken care of in our bankruptcy. We have asked the company to provide documentation that this debt is really ours and they have not. They also told us to just dispute it which has done nothing for us.