davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions (TX)

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! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Consumer complaint received 2022-11-23
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 account number # XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX, XXXX account numbers XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/2022, my father and I went to XXXX at XXXX XXXX XXXX, XXXX GA XXXX to finance a used car for my little brother. The salesperson ( XXXX XXXX ( XXXX ) and XXXX XXXX XXXX were assisting with the process. The salesperson asked for my social security number and stated that he will be using XXXX ( XXXX ) different banks to try and get a loan for the used car. After XXXX he came back to the desk where my father and I were sitting, and he stated that the banks were not going to finance a loan for that particular car. He asked if he could try again with those banks but for another vehicle. He left and came back XXXX minutes later and stated that we were approved but for {$840.00} a month for 72 months for {$0.00} down payment. My father and I asked him questions regarding the payment price and decided not to purchase the vehicle. On our way out of the dealership, we were stooped by the XXXX XXXX and he stated that he will " punch some numbers and see what he could do '' so that we can possibly purchase a XXXX XXXX for a lower monthly payment plan. He left and came back XXXX minutes later and said unfortunately the banks are closed. At the time, it was around XXXX and he stated that he will call us in the morning to follow up. A couple days later, I checked my XXXX XXXX using credit wise and notice that there have been XXXX new hard inquiries on my credit report. The companies that the used were 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 ( called them and they removed it ), XXXX XXXX XXXX ( called them and they removed it ), XXXX XXXX XXXX XXXX emailed them and they removed it ). I did not authorize nor did I sign paperwork stating that XXXX and XXXX XXXX and XXXX XXXX could run my credit multiple times. Based upon my previous discussion, I was informed that they were using ( XXXX ) XXXX different banks not a total of ( XXXX ) XXXX.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been working for someone thinking that Ive been receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then send to the person Ive been workin for. Recently, my bank has closed my account saying because their bank accounts say XXXX fraud. When they are the one sending me money. I am not a scammer and I know nothing about it, and I didnt know that the one I was working for has been XXXX  people into giving them money, placing it in my account. I am a victim in this case too, because I had no idea that my account had been included in fraud work. I simply received XXXX  with money and I would send it to the person Ive been working with.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. A money order was made with the proper clauses and provision based on banking law in the amount of {$9000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chase Sapphire Reserve XXXX XX/XX/2023. They accepted and cashed my instrument, but did not credit my account correctly. I did call on XX/XX/2023 and spoke with XXXX a customer care team member and then her supervisor XXXX XXXX and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2022-12-20
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. (PA)

I have disputed XXXX XXXX XXXX XXXX XXXX XXXX numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.
Consumer complaint received 2024-03-28
Product: Credit reporting 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-12-20
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. (PA)

I have disputed XXXX XXXX XXXX XXXX XXXX XXXX numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.
Consumer complaint received 2022-12-20
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. (MD)

From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over 200 hard inquiries on my report which is just not attractive to lenders at all. I can recall only about 6 dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B
Consumer complaint received 2021-07-30
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: I.C. System, Inc. (NY)

IC SYSTEMS IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have explicitly notified your organization of the egregious violations you are perpetrating against my consumer report. Despite ample time, exceeding the statutory 30-day period, you have callously ignored my correspondence. Enclosed are copies of every communication sent to your attention for your awareness.

Your blatant disregard for my consumer rights is utterly unacceptable. Your failure to address these violations is a clear violation of federal regulations, constituting an egregious breach of trust and legal duty.

Your deliberate negligence in responding to these concerns has caused irreparable harm to my financial standing and reputation. Your inaction demonstrates a flagrant disrespect for consumer protection laws and exhibits a willful disregard for ethical business practices.

I demand immediate and decisive action to rectify these transgressions. Failure to do so will result in further legal action and public exposure of your unethical behavior.
Consumer complaint received 2023-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
Consumer complaint received 2024-03-28
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. (FL)

I have not applied for any new credit or services with the listed creditors on the aforementioned date. As a result, I am concerned about the potential impact this unauthorized inquiry may have on my credit score and overall financial standing.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

A check was fraudulently cashed on XX/XX/XXXX in the amount of {$3800.00}. A claim with Wells Fargo Bank was filed approximately XX/XX/XXXX when the fraud activity was discovered. We received a letter from Wells Fargo Bank dated XX/XX/XXXX providing a claim number and stating that it would take at least 90 - 120 days for us to received the money back from the other bank or correspondence as to why the claim was denied. We have received absolutely no information about the status of the claim and calls to the bank have not been helpful.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, I am the owner of the company XXXX XXXX XXXX, incorporated in the State of Florida on XX/XX/XXXX. 
He had a checking account at Bank of America, which was closed due to his unilateral decision and notified to the company by communication dated XX/XX/XXXX, reference case # XXXX. 
In the communication they do not indicate the cause, motive or reason that produced the decision to close the account, but they do inform that " if your account has a balance after closing, we will send you a check in the name of the account holder ''. and send it by mail to the address that we have registered '', so that at the time of closing the account the balance was {$65000.00}, an amount that after more than 1 year and 10 months has not been returned to me, even though I have carried out multiple procedures before the Bank 's Customer Service and Risk Departments, all of which were unsuccessful. 
The Bank has withheld the company 's funds improperly and indefinitely without even giving a formal explanation beyond that the account is " under investigation '', which is the response given by the Bank 's representatives who have answered me by telephone. 
The retention of funds for more than 22 months has caused damage to the business of the company by being prevented from fulfilling its commitments to pay and purchase merchandise.
Consumer complaint received 2022-12-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (FL)

One main financial call me back to back even though I have talk to numerous representative stating the same thing. I have a claim that has been approved and the pay my car payments monthly. If they are a day late one main calls me saying my account is deliquent. They claim its their job and they have to call you everyday until its pay. This is constant mentally draining and is harrassment.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (GA)

Williams & Fudge Inc. Phone number XXXX has continoiusly called me while at work, after I have told them numersous times the hours I work, yet they have continued to call me for months. 
I can see in my recent call log a phone call on Friday XX/XX/XXXX, Monday XX/XX/XXXX and today XX/XX/XXXX. 

Its almost daily that they call me despite me telling them when I am available outside of work.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

My loan was transferred to XXXX XX/XX/2019 from XXXX. A letter was sent to us that denied our request to drop PMI. 
The principal balance was about {$200000.00}. Our house sales price was {$420000.00}. 
According to the loan to value we meet the guidelines to drop PMI by XXXX XXXX. 
Why did they continue to charge us? WE are way below the 80 %. 
The company has been charging us {$63.00} a month for no reason. 
I have called, but no response from the PMI department. The customer service rep says they do not take calls.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

citi changed the terms of my credit card account to paperless without users agreement.my credit score and interest rate were affected.after having reported a disputed charge i was told i would have to create an online citi account.im now being told by citi that i somehow checked a paperless payment box which i know i didnt.ive been trying since XX/XX/XXXX to get an explanation in writing.after being a customer since XX/XX/XXXX im canceling my account with citi.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I took out a loan with XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted XXXX XXXX and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

XXXX XXXX is continuing to report this account, more than three years after I released the car back as an open account that is 120 days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate credit reporting.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (CA)

The company below is refusing to verify my identity to get into my account as you will see. I have a new number and can not get into my account since I can not receive the verification code to my old phone. I initially tried to login to do this because I also had to get a new bank account recently and realized I couldnt login to switch the information and make a payment. Ive contacted PenFed credit union several times and talk back and forth with them on how to verify my information to change my phone number and bank information to make a payment on some way or another. They asked for a copy of my phone bill to my current address, and my photo i.d . Which I provided to them multiple times, To continually get denied. I am now over a month behind because they refuse to fix these issues and take my payment which I had at the time. You will see in the emails I ever let my XXXX get the best of me in the last one and told them to take the car if they refuse my payment. Obviously this isnt what I want but Im at my wits end and dont know what to do it seems pointless. I will include email attachments with dates. I can not get my account, or loan number due to not being able to login to my account. But my names XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, my car is a XXXX XXXX XXXX XXXX  model, and my online username is XXXX for my PenFed account. Hopefully they can pull it up with this information thank you.