davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX, to remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that is 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 accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2022-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Capital Accounts, LLC (IN)

On XX/XX/XXXX, I received a call showing a number on my caller ID, XXXX, which is the XXXX XXXX Clerk 's office which I answered and was told I was speaking with XXXX who said she was from the clerk 's office and that I had to repay my payday loan immediately but that there was also a court order that my driver 's license was suspended and that they were attempting to complete service of process and also that there would be a warrant issued for my arrest and that I would have to go to jail and have to post bond to get out. They then told me to call XXXX in order to get the debt resolved. I called that number and the person who answered said that they were with an attorney 's office that was handling the debt I had from Ace Cash Express. I was told that I could either pay a settlement or do a payment arrangement but that I had to do that by tomorrow. I was told that I could not wait until XX/XX/XXXX even though I told them that I am going through an eviction and do not have the money right now, but that I can start paying in XXXX. 

I think that the collection agency disguised their number as the XXXX XXXX Clerk 's office and threatened me with jail and losing my driver 's license. I checked online with mycase.in.gov, which would list any court hearings, and I could not find any. 

Please help. 

Thank you.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over 10 times no one replies back via mail, email or phone calls its been over 6months.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (MD)

My sister, XXXX XXXX, purchased a car for XXXX and a finance of 19 % for 72 months, which equals XXXX. It has now been 10 years ( not 6 ) and she has paid XXXX and Regional Acceptance says she owes XXXX more, which will total XXXX for 2012 XXXX XXXX. 
They are violating MD Law 14-315 f ii, which states loaner can only charge 1.5 % of the monthly payment for late fees. 

She will sue them in court as well.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I am with Shellpoint Mortgage. My payment for the month of XX/XX/2022 has not posted to my account.I am with the HAF Home Owners Assistnace Fund through the State of Florida. I checked with my HAF department and said check was sent out XXXX XXXX and showing received XXXX XXXX. 
I just would like to get my payment posted to my account. It is now XXXX XXXX and no payment posted. Not sure what the hold up is everyone to get these posted.Please locate my payment and post please.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (LA)

This appears to be an XXXX XXXX XXXX back on XX/XX/2018. I have repeatedly contacted the XXXX  accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the XXXX  it was paid, then told it is for the XXXX. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.
Consumer complaint received 2022-12-21
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. (VT)

This is in regard to the settlement from the Equifax data breach, which I was a victim of I received an email from the Equifax settlement to redeem a " shopping card '' that equals the amount I am owed. I DO NOT WANT a shopping card. This is a ridiculous way to settle a claim and expect that we should accept it. 

I refuse to accept a shopping card that requires me to submit all kinds of personal information, and then will track any purchases I make. I should not have to accept this form of payment for a settlement. What if I want to put that money in my savings account??? 

They need to send a check for the amount Equifax owes me. I will not be forced to give away my mailing and contact information to a XXXX  party and agree to a long list of terms so they can use my data and track my purchases.
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I fell behind and tried to arrange payment with Carrington mortgage in XXXX. It was agreed I will catch up on XX/XX/XXXX. ( Last payment made was for XXXX ). When I attempted to make a payment Carrinton refused to take my payment saying they already started foreclosure procedures on XX/XX/XXXX ( when I was only 93 days delinquent ) dispute my explaining the situation and attempting to resolve the issue. They said they would get a reinstatement amount for me but continue to delay it, making me fall past the 120 day mark in which feels intentional. I get no response on a way to take care of this from them and I just want to catch up and get back to normal. They have added additional fees in addition to late fees on the amount owed.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023, I deposited a check into my business banking account, and it was to clear the following day. I contacted Chase customer service because the funds had not cleared my bank and after being on the phone for more than three hours, I went to my bank location and spoke with the bank manager. Chase refused to process the check. The following day I received a notice from Chase that the check would be held for 14 days due to the risk of the check not being paid. Prior to this check, I had deposited numerous checks from this same customer and bank and never had any issues. I depend on the funds from the business checks I receive to secure my payroll and I could not wait for the funds to be held. My customer cancelled the check and wired the funds into my account the following day and those funds were also held due to incorrect information that was given to me by a Chase associate. On XX/XX/2023, I deposited an additional check from a business customer who I have also deposited checks from and never had any issues. The next day I noticed the funds had not cleared and I was on the phone for hours attempting to find the issue for this check. I received another notice that the check I deposited would be held for 14 days due to the risk of the check being unpaid. Once again, I could not wait for the 14 days. My customer stopped payment on the check and sent the funds via ACH payment. Chase provided me with a routing number for the ACH payment which was incorrect and once again the funds were held for an additional 48 hours. After speaking with numerous Chase associates, and over five hours on the phone, the " routing '' department corrected the mistake, and the funds were available immediately. I instructed my customers that we could no longer accept checks and any future payments would need to be sent via ACH transfer. On XX/XX/2023, my customer sent an ACH payment to my business account, with the information I was provided from a Chase Associate. The funds were to be posted to my account on XX/XX/2023, but there was an additional issue, and the funds are now being held again for six days. The information provided to me by Chase was once again incorrect. I am now unable to process payroll for my employees and they have all quit and will be filing labor claims against me. I will now be forced to close my business due to errors caused by Chase Bank. This happened four weeks in a row for every deposit that has been made to my business account. The actions of Chase bank are inexcusable. When customers are routed to other countries with language barriers to provide horrible customer service for Chase Bank, and incorrect information, Chase needs to do everything they can to make sure their customers are not affected. For the past three weeks, I have spent countless hours talking with Chase associates, bank managers, supervisors, and have not received any resolution.
Consumer complaint received 2020-04-29
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I HAD A PARTERN WHO STOLE MY IDENTITY I WENT TO THE POLICE AND THIS IS A UNDER INVESTIGATION CASE WITH NAME AND EVERYTHING PROVIDED OF THE PERSON WHO DID THIS TO ME. I WILL ATTACH POLICE REPORT AND IDENTITY THEFT FTC REPORT TO REMOVE THIS FROM MY CREDIT PLEASE. THESE ARE THE ACCOUNTS CAPITAL ONE AUTO FINAN XXXX Repossessions {$38000.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$1100.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$580.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Other Account {$3300.00}
Consumer complaint received 2022-12-22
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. (SC)

Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one Card has been flagged as fraud and removed from XXXX and XXXX. Captial One has continued reorienting the inaccurate and invalid account to XXXX violating consumer rights by reporting inaccurate and incorrect data and has refused to halt doing so even with fraud reports and request for removal
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (VA)

Pursuant to 18 USC 8, I owe no debt, This company ( L J Ross Assoc ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX dba XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX dba XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX XXXX XXXX dba XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX dba XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect t
o any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Account # XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : XXXX Original Creditor : XXXX XXXX XXXX MD I have contacted Experian XXXX times regarding an account that does not belong to me that is being reported on my consumer report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have sent Experian proof this item does not belong to me. They have failed to remove this item from my credit report. I have called Experian several times and sent XXXX different letters with the dates listed above. I have spoken with reps at Experian who advised me to send in the proof which I have done XXXX times since XX/XX/XXXX. They still have not removed this account from my credit report.
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (MA)

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department XX/XX/XXXX {$170.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$170.00} XXXX XXXX XXXX XXXX Collection XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department XX/XX/XXXX {$130.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$130.00}
Consumer complaint received 2023-06-17
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 my 15th 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 XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}