davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (MS)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 XXXXXXXXXXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX (  Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
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. (GA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I deposited my insurance check XXXX months ago and they cleared it sane week but did not give me acesss to funds once they verified it they have been giving me the run around told me they would close my account once I kept calling back to back I have XXXX in there its been gain interest and everything and they will not release my funds they wont even answer the phone anymore I havent been able to talk to anyone last time I was able to was XXXX months ago
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (NC)

Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2017 my wife made a charge for {$17000.00} on our American Express credit card. Within a few months it came to light that this charge had been made under " fraudulent '' circumstances by a company ( XXXX XXXX, XXXX XXXX XXXX, etc. ) that had been doing this for a number of years. This fact has been proven in three federal and state courts. Documentation for this has been provided to American Express on different occasions. We have, for over two years, been disputing this charge with AMEX to no avail. American Express has now cancelled my account and reported it as delinquent to the credit bureaus severely damaging my credit standing despite the fact that I have spoken to them on multiple occasions and thoroughly explained the situation. Recently, letters were sent to the " XXXX XXXX XXXX XXXX  '', the " XXXX XXXX XXXX XXXX XXXX XXXX '' and the " Chairman/CEO '' of the American Express Company asking that this matter be re-investigated, the amount be discharged from my account and that such resolution be reported to the credit bureaus as soon as possible. 
Despite the fact that the action ( s ) by the XXXX XXXX, XXXX XXXX XXXX, etc. has been determined as " fraud '' by three different courts and that my situation is a " textbook '' case for the " legal '' definition of fraud, American Express refuses to follow the decisions rendered by the courts or to accept the " legal '' definition of fraud but, rather, apparently feel they exist outside, or above, the law of the land. 
I ask that CFPB investigate this matter and to direct the American Express Company to accept the three courts ' decisions and to follow the " legal '' definition of fraud.
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (OH)

On XXXX XXXX, XXXX I called PNC bank credit card services to have PNC remove a late charge. My credit card payment is always due on the XXXX of every month and I paid {$100.00} on XXXX XXXX to PNC through my financial institution online bill pay. PNC decided to post my payment on the XXXX, which cause a late fee of {$25.00}. PNC refused to remove the late charge because of a removal of a previous late charge in XXXX of XXXX. I escalated the issue to PNC escalation team because the supervisor from XXXX XXXX XXXX refused to remove it. XXXX advised me to send a letter about my issue and stated the late fee is valid even though I explained my bank took my {$100.00} on XXXX XXXX, but PNC decided to post my payment on the XXXX. I do not make late payments constantly and I did make my payment before the due date, yet PNC is refusing to remove a late charge that is not valid. This was the worst customer service experience and I have been with PNC for over 10 years.
Consumer complaint received 2023-03-29
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Complaint filed through this page. The 2 Capital One accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.
Consumer complaint received 2022-11-21
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. (CA)

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 # XXXX, XXXX XXXX XXXX # 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 2023-04-15
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. (FL)

Again, I was a victim of identity theft and this is another request to block or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-21
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. (PA)

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX Account XXXX has violated my rights.

15U.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
Consumer complaint received 2023-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (VA)

I am writing an extension to complaint XXXX. Although NewRez has previously stated that these complaints are similar, please note that each incremental complaint does in fact represent a new problem in this ongoing saga. 

This time, NewRez has pulled two payments within the span of two weeks, so in effect, they have prepaid themselves the XXXX payment a month early. NewRez customer service re-set up our automatic payments after we received the XXXX autodraft cancellation notice, so this error is firmly on NewRez ' side. XXXX XXXX, a supervisor, supposedly restated these on XX/XX/XXXX at approximately XXXX XXXX but apparently had them start a month early resulting in a second payment that was applied to XXXX. 

Once again, we see NewRez making it difficult to predict how and when the mortgage will be paid, which makes it much more likely that the homeowner will experience fines and fees. 

Furthermore, NewRez has not been pro-active in assigning this additional payment to the principle but rather pre-applied it to XXXX, therefore not correctly adjusting the interest owed given that they are holding an extra couple XXXX dollars for an entire month.
Consumer complaint received 2022-11-21
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. (PA)

Hard inquiries that I didn't not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
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: EQUIFAX, INC. (LA)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

On XX/XX/2020 I paid a debt to Macy 's Department Store in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from XXXX XXXX XXXX for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I filed chapter XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX District Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my credit report.
Consumer complaint received 2023-03-03
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. (FL)

Im submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these inquiries completely from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting to you to please remove the following unauthorized inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am submitting this CFPB complaint in accordance with thr Fair Credit Reporting Act section 605b, and request that you comply with the Federal law and have the disputed inquiries removed from my Credit File as soon as possible.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I had a loan with XXXX XXXX, I never thought the car was paid off, I never signed a loan with credit acceptance, I thought it was a 3rd party deal, they have no paperwork of the deal, no title, but keep saying I signed some forms which I didnt, I cant get an apartment, Im homeless, I been in and out of prison and trying my best to get my life in order. Credit bureaus take the word of the company without proof, its business to keep the poor, poor.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (TN)

This company has sent me numerous amount of harassing emails monthly. Ive never received any notices in the email regarding this alleged fraudulent debt. I just keep getting annoying emails from this company asking me for money. Section 1006.6 ( b ) ( 1 ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media and in violation of 15 U.S. Code 1692c - Communication in connection with debt collection.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-02-08
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: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer USA Was paid in full of agreement for Account I have reached out 5 times in the New year of XXXX regarding the 1099C Form regarding the settled payment in which the letter received XX/XX/XXXX requesting 30 days for all updates to be reflected in records and Release of title if applicable. 

In the 5 times Ive contacted Santander Loss and Recovery department. I have requested documents each time and Given no response. Transferred from agent to recording that will eventually disconnect every single time.
Consumer complaint received 2022-11-21
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. (MS)

XX/XX/XXXX the same day as the request for services was the same day the contract was to be canceled and rescinded. It is either the sales person that added this to my credit report fraudulently. There is no payment to be made and I asked for the down payment to be recredited back to the credit card used. The service was not needed and there is no employment and it was very expensive and counted a accident within the policy. I stated to be canceled its not affordable for my situation at the time. This collection is a hardship that has prevented myself from obtaining any approval for what I need to survive. I need housing and can not receive it because of this fraudulent collection reporting as a delinquent and thats not fair when it was stated to be canceled the same day.
Consumer complaint received 2023-05-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-03
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. (VA)

I contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} XX/XX/XXXX