davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hey my name is XXXX XXXX and Im here to file a dispute against my credit because I was frauded and then had no access to my account or could get a new credit because of that I tried to get help they told me I had to pay when I told dem it was fraud could u just help me resolve this issue
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

RE : Capitalone bank N.A. case no. # XXXX This is to inform you that Capitalone bank has removed the double charge by XXXX on my credit card. Thanks to CFPB. However, they still have not credited my account over {$800.00} that I have already made on the account balance of {$1600.00} to pay down the debt. I contacted Capital one bank and they said my $ XXXX payments will be credited to my account when the case is closed. Unfortunately however, Capital one bank have sent me a wrong billing statement due XX/XX/22 based on {$1600.00} instead of about $ XXXX balance that I am actually owing. ( statements enclosed ). 
I am appealing to CFPB to mandate capital one bank to credit my account the monies I have already paid on my credit card & stop charging me high interest rate based on wrong account balance. 
I am thanking CFPB in advance for assistance in resolving this very important matter. 

Yours Sincerely, XXXX XXXX
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : The following personal information is incorrect : XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-07
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. (GA)

SANTANDER CONSUMER USA has failed to respond to my NOTICE OF RESCISSION ; DEMAND TO RETURN ALL MONIES PAID for an alleged account with number XXXX. So, pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23 ( A,2 ) ( D,1 ) ( D,2 ) I hereby exercised my right to rescind the transactions that is identified by the referenced account number for a total of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$41000.00} ), which included Down payment fee which at the first place according to the Law that I was NOT required to pay down payment to secure a loan, they made me pay for Dealer fee, Gross Trading Allowance, Dealer Admin Charge fee, Ext Service Agreement fee, Maintenance fee, Elect Filing fee, The Annual Percentage Rates fees, Total of Payments, and Total Sale Price, which were all illegal by the way. And BECAUSE A STATEMENT OF RESCISSION WAS NOT PROVIDED TO ME according to 12 CFR 1026.23 the notice was sent to SANTANDER CONSUMER USA to let them know that I needed to Rescind the transactions and to give me all my monies back and they failed to respond within those periods of 20 days I gave to them to respond based on the Law. So, they are in several violations, and I hereby exercise my rights to set them up for their FDCPA and FCRA violations to get back all my monies paid to them, and since they failed to respond to my NOTICE OF RESCISSION, I am declaring that legally if there was any property presented to me as the Consumer during this alleged transaction will be kept by me, as the Consumer.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc. (CA)

An affidavit of Billing Error Notice was mailed to Beyond Finance but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : 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 ). 
A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (SC)

Experian is reporting XXXX XXXX  in amount of {$570.00}. This appears to be a duplicate that XXXX XXXX XXXX and XXXX XXXXXXXX XXXX is also attempting to collect on behalf of XXXX.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Good day to all reading this message, XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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 XXXX XXXX XXXX XXXX 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 2023-05-17
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: Maximus Federal Services, Inc. (CT)

I requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying OSLA student loan servicing. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs
Consumer complaint received 2023-01-07
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)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-03
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. (NJ)

Update personal Information Dear TransUnion, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although XXXX inquires was deleted from my credit report from my last dispute on XXXX XXXX XXXX it still shows invalid inquiries and a XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX  This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of. 
Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX XXXX XXXX XXXX XXXX  ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. TransUnion followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For the prior inquiries that was removed on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-26
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. (NY)

I previously notified Transunion thru the CFPB that I am a victim of identity theft, Transunion responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report
Consumer complaint received 2023-01-07
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. (MA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (TX)

I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, and XXXX. This company have sent me a letter stating everything came back verified with no description of the procedure used to determine the accuracy and completeness of this information as requested previously. I no longer want this company to mail me anything. Please upload all correspondence through CFBP. If this company does not honor my request, I will pursue legal action and a complaint to the attorney general. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Consumer complaint received 2023-01-07
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. (MA)

I sent a letter to the XXXX Credit Bureaus to remove the following items that were unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX AV XXXX NEW YORK, XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I applied to XXXX at XXXX apartments in XXXX, NV on XX/XX/XXXX. When I applied the screening company rentgrow notified me that the data furnisher they use is transunion and transunion is reporting a civil judgment, ( case XXXX ) that was vacated and dismissed by court order on XX/XX/XXXX. I would like this information to be updated and removed as soon as possible.
Consumer complaint received 2017-05-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Previously, I had contacted CFPB with regards to the issues I was having with making mortgage payments to  Freedom Mortg age using their online payment website. Following this, someone not sure who - from freedom Mortgage Customer Service contacted me and said that he was a supervisor. No name or contact info was given to me but he claimed that he would make the necessary adjustments to resolve the overstated charges which would be credited to the principal amount which would be reflected the following month, whioch would be  XXXX   XXXX . At first I saw the amount due for  XXXX   XXXX  would be the usual {$610.00}, but then, somewhere during the interim prior to  XXXX   XXXX , I saw the amount due was changed to {$660.00}. The problem with this online payment site is that  one is not given the option to pay a specific amount according to its category. There 's NO individual listing for principal, interest or escrow. There is just ONE total amount to be paid and that 's whatever Freedom  chooses to put as THAT payment amount. My last payment was an exorbitant {$700.00} or more over the true amount that was actually due and that was supposed to have been credited back to me. Instead,  Freedom has increased the monthly amount due which well may be added unnecessary late charges & fees which they  choose to add on themselves and which there 's NO way of making payment for the actual amount due. Once again, I have been repeatedly calling and emailing and NO response. I have been in the hospital again because of all this and have proof of my constant   XXXX    XXXX   XXXX  caused by the stress  Freedom  Mortgage continues to be responsible for. I am seriously planning to file a civil law suit against this company for   XXXX   XXXX   XXXX   resulting in serious medical issues.  XXXX   XXXX  seems to be  XXXX  again & all I get are solicitation calls about refinancing. THIS is a VA ARM Loan and there has been NO change in taxes or home insurance so there is should be no change in Escrow. Last year,  XXXX , the monthly mortgage payment increased by about {$11.00} due to the change in interest rate, however, that increase from {$600.00} to {$610.00} remains in effect until  XXXX   XXXX , so why is their monthly charge {$660.00}. I am NOT falling prey to THIS SCAM company nor will I allow myself to be manipulated or intimidated in any way by their online payment site which is a BIG Scam. Read ALL the reviews on this yourself. I did call and and asked to speak with someone in the  Accounting/.Finance Dept.  and the person on the other end gave me a blatant NO. I even emailed  XXXX   XXXX  expressing my intent to go into their office in   XXXX   XXXX   NJ to get this all straightened out, yet, NO response.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-08
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. (IA)

Hello my name is XXXX XXXX and I have a problem I really need your help with this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately