davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (TX)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted are listed below : Account : XXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I have sent several certified mail attempts to try to resolve these issues XXXX XXXX XXXX  has continued to violate my rights per FCRA i am requesting that this account be removed immediately at this point I intend to seek legal action due to the length of time interest rates and agony this has caused me here is proof XXXX XXXX and XXXX have removed this account to incorrect and non-verification over a year ago
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$910.00} XX/XX/XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$9800.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-06
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. (PA)

i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX By XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.
Consumer complaint received 2023-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was the victim of a job scam. I accepted the job and was told that I would start later that month and that I need to complete a written assessment. After I completed the assessment I was told that I would need to order office supplies, so they emailed me a check for {$4300.00} and told me to deposit it in my own account and to send them a receipt. My bank USAA accepted the check immediately and did not mark it as fraud. After depositing this check, the job scammers told me the following day they to wire nearly all funds to an account to pay for equipment. This was on XX/XX/2023. Then the following morning after I wired the money, they send me another check to deposit and said that the money sent previously was not enough for all my office equipment. I told them I cant deposit and send another check because I have a daily limit. I cut off all contact with XXXX XXXX after that and informed my bank. My bank did not help me until I called a third time and asked them to stop the check and the wire transfer. They stopped the check but blamed me for the job scam and refuse to assist me further. I was told my bank account was locked every time and under investigation since I reported the scam. USAA let me know that the wire transfer was stopped and that the check was stopped. I was told it would take XXXX calendar days, then up to XXXX business days before my account would be unlocked. I called USAA XXXX times a week for XXXX weeks until I was transferred to the fraud department who told me that my account was not locked, and that they did not stop the wire transfer because they believed it was my fault for being scammed and that I had to pay the $ XXXX due to the check being fraudulent. They did not say they knew it was fraudulent. I reported it as fraud which is why they stopped the check. They refuse to help me any further so I had to file a police report and contact the bank where the wire transfer was sent to by myself .l. After weeks of getting the run around and heading that everything was being investigated, I was rudely told by the fraud department that this was all my fault and that I needed to pay up. They also made it a point to bring up the fact that I previously disputed a charge from an app ca. Instead of helping me in a difficult time where I had to find someway to pay my rent since I was made to believe my account was locked and that they were helping me resolve this.
Consumer complaint received 2015-11-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage Servicing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX conducted fraudulent transfer ( substitution ) of unsecured debt. Illegal transfer of a deed of trust from an unsecured party. Setting a trustee sale date in an effort to force dispossession of title.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX Balance details 5 % paid off Balance {$32000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$32000.00} Original balance {$34000.00} Monthly payment - Additional info Responsibility Individual account Terms XXXX  Months Company sold - Original creditor - Comments Account information disputed by consumer Your statement - Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN XXXX  DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' " PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! 
I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 


RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

This inquiry does not belong to me. I am attaching to you the documents and my appeal to the CFPB In accordance with the law, I have the opportunity to demand that you respect my rights. 
Please remove this inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-11-23
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX 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.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

AMEX Stole my XXXX Reward Points! 
Thats Right! AMEX stole my XXXX reward points. I had 2 accounts, one business account which I accumulated over XXXX reward points since XXXX and one personal account which I accumulated XXXX points since XXXX. I retired in XXXX and had AMEX move my XXXX points to my personal account which they did cheerfully. Covid-19 pandemic hit about this time and I did not use my personal AMEX account because of travel restrictions and the pandemic. In XX/XX/XXXX, AMEX decided to cancel my personal account because of inactivity and my rewards disappeared! When I found out about this in mid XXXX, I contacted AMEX and complained numerous times via phone calls and repeatedly requested the points and account be reinstated. The first request was submitted to AMEX an was rejected due to incomplete information so again I called and requested another case be submitted ( Case # XXXX ) on XX/XX/XXXX which it was. After numerous follow-up phone calls the case was not acted upon. In both cases I reminded the AMEX agents that the Membership Rewards Program FAQ stated We will never cancel your account for any reason without notifying you in advance. In my case NO notification was ever received via email, phone call or mail! 
My last follow-up phone call was in XX/XX/XXXX. The AMEX agent again quoted the company line stating I was contacted prior to cancellation, which I never was either by phone, email, or regular mail. ( And I check my Spam/Junk folders! ) Further the cancellation was over 90 days old so they could not reinstate my account and my points were forfeited. In XXXX (? ) AMEX changed the Rewards Program, and now states If we cancel the Rewards Program, well notify you at least 90 days in advance. You'll be able to earn or use points during that time, but we may change or cancel certain rewards. 
As of this writing I am considering legal action against AMEX, however I wanted to warn other existing and potential AMEX customers about AMEX way of conducting business. To me, I think AMEX used the pandemic to change the Terms of Service and selectively steal reward points to improve the bottom line at AMEX.

I will never again use American Express for anything unless my travel points are restored! They are a TERRIBLE Company completely without any scruples, only care about the bottom line, and will look for any reason to XXXX their customers!
Consumer complaint received 2023-08-06
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: Bridgecrest Acceptance Corporation (NJ)

I purchased a vehicle in XXXX and financed a car loan with Bridgecrest ( through XXXX ) I made every payment on time and in XX/XX/XXXX decided to sell the car back to them ( it was a second car ) XXXX picked up the vehicle on XX/XX/XXXX and I was assured they would pay the loan balance ( along with a cashiers check that I gave them for {$1800.00} which satisfied the difference due on the loan from their offer ). 
They encouraged me to make the XX/XX/XXXX payment on the loan, which I did, and explained that this overpayment would be quickly refunded to me within XXXX weeks. ( I was concerned that Bridgecrest would report the loan as delinquent if it went past the due date before they paid off Bridgecrest ). I received an email on XX/XX/XXXX from Bridgecrest that my loan was Paid in Full and closed but with no mention of my overpayment or refund. As of XX/XX/XXXX I have yet to receive the refund ( approx. {$420.00} ) and have contacted Bridgecrest 6 times. In addition, they have wiped out my loan account on their website so I can not check the status. Each time I call I am given a different excuse as to why they are holding onto my refund : It takes XXXX months for a refund, The refund was processed on XX/XX/XXXX, The refund was processed on XX/XX/XXXX, U.S. Mail can take 30-60 days to go from Arizona to New Jersey Out team is working on it - and on and on. A consumer law states that a car loan company has 7-10 business days to refund an overpayment on an account. Bridgecrest is not a reputable company and my money is being withheld from this shady company!
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received an attempt for collections from portfolio recovery associates , LLC. Attempting to collect {$340.00} from account number XXXX date stated owed is as of XX/XX/year>. This account number is nowhere to be found on my credit reports and is over XXXX XXXX XXXX past the statute of limitations for collections. I do not know where this is coming from nor do I acknowledge it is mine. I do not want this company to contact me in any way. I am a XXXX resident and I understand my rights.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (TX)

Transunion is the only company that is allowing a lady name XXXX XXXX XXXX continue to use my name. Transunion has completely ignored request to freeze my credit and I have even set up this acct online. The other XXXX credit bureaus have made corrections. I had to get my phone number change and a police report was file. This company just will not abide by the State Rules and this is causing me very much distress. If you call Transunion they will tell you the problem is fix and it is not. Could this be an inside job with this company. I have given this company enough time to make corrections when I file the first report with you. Yet they will not freeze my report, they will not me see my report. I will do my demand letter and then I'm left no other choice but to seek legal action. I want this lady to stop using my identification and acting as me. Unless you write a letter demanding me a new social security number and right today I'm being gang stalk because of this me reporting this. By XXXX XXXX and XXXX XXXX who live in XXXX
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding late payments on my credit report and to request assistance under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), which aims to alleviate the financial burden faced by consumers during the COVID-19 pandemic. I kindly request your intervention to have these late payments removed from my credit report.

Due to the unprecedented circumstances brought about by the COVID-19 pandemic, I experienced financial hardship, which led to late payments on my accounts. As a responsible consumer, I diligently made efforts to communicate with my creditors, explain my situation, and seek assistance or alternative payment arrangements. However, despite my pr

oactive approach, these late payments were reported to the credit bureaus, resulting in a negative impact on my creditworthiness. Under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), consu
mers who have been affected by the COVID-19 pandemic are provided with certain protections and assistance. This law specifically requires furnishers of credit information to report accurate and fair information regarding consumers affected by the pandemic. It is my belief that the late payments reported on my credit report do not accurately reflect the financial challenges I faced during this difficult time.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the late payments are removed from my credit report in accordance with the COVID Relief Law ( 15 U.S. Code 1681s-2 ). The removal of these late payments will help restore my creditworthiness, allowing me to rebuild my financial stability during the ongoing recovery from the COVID-19 pandemic.

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and providing relief during challenging times. I trust that you will review my complaint thoroughly and take the necessary steps to ensure that my credit report accurately reflects the impact of the COVID-19 pandemic on my financial standing.

Thank you for your attention to this matter. I look forward to a favorable resolution and your assistance in helping me navigate through these difficult times. 
Sincerely,