davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (KY)

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

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.
Consumer complaint received 2023-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (NV)

On or around XX/XX/2018, XXXX removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/2018, XXXX again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, XXXX allowed the tradeline to remain, further damaging my credit profile.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX XXXX XXXX are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX XXXX  credit card utilization XXXX XXXX XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX XXXX credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report.

Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.

You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2022, while living in XXXX XXXX, NC, after having been displaced from our home on XXXX XXXX, by XXXX XXXX, we were the victims of a sim card swap scam which allowed individuals to access our Navy Federal Credit Union XXXX XXXXt and regular everyday checking accounts via our NFCU app on our XXXX. They transferred {$18000.00} from our trust account to our regular checking account. They then went to the NFCU branch at XXXX, Washington, and withdrew {$8000.00} from our account. Then they went to the branch at XXXX XXXX, WA, and withdrew {$9000.00} more dollars from our account and purchased a {$8500.00} cashiers check using funds from the account as well. When they tried to cash the check at the XXXX XXXX, WA, branch it was confiscated. When we were first notified of the pending transfer of {$18000.00} between our XXXX accounts, we advised the NFCU that we were not responsible for that transaction and started the claim process with the NFCU fraud department, or so we thought. Over the next week we talked to any number of fraud department agents about the fraudulent transactions. Our checking accounts were closed and new accounts opened with the adjoining debit cards being changed out. The NFCU ensured us our funds would eventually be restored. We filed a criminal complaint with the XXXX XXXX Police Department, reported the incident to the Federal Trade Commission, and notified our XXXX XXXX about the identity theft. The funds from the cashiers check were never restored to our account. In order for us to file a claim with XXXX, they needed documentation that reflected the fraudulent transactions, but since the accounts were closed, we were no longer able to access the bank statements. We have requested those statements from NFCU but have yet to receive them in the near XXXX weeks since the request was made. On XX/XX/XXXX, we called NFCU to check on the status of our claim and was advised we needed to fill out a form to begin the claim nearly a month after we first notified them of the occurrence!! 
As stated before, we discussed this information with any number of fraud department agents for nearly a week and no one mentioned a form needing to be filled out. We have done business with the NFCU for thirty-two years and expected a problem of this magnitude to be handled professionally and in a timely manner.
Consumer complaint received 2024-04-01
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. (NV)

On or around XX/XX/2018, XXXX removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/2018, XXXX again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, XXXX allowed the tradeline to remain, further damaging my credit profile.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX Equifax and on XX/XX/XXXX XXXX reported that i had a missed payment from XXXX  XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXX XXXX  has sent the proof that i never received any late payment but its still on my credit report.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (PA)

I received multiple calls and computer speaks about this {$40.00} bill. then they hang up. I receive a letter today XX/XX/2022 after 2 weeks of the ongoing phone computer calls. It says XXXX XXXX. I have no Idea who this is. I have no recognition what this company does or where they are. I filed bankruptcy in XXXX. So, I am Disputing this crazy bill. It is not mine.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX/ XXXX - Account # XXXX : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-27
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: PENNYMAC LOAN SERVICES, LLC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-06-06
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: MRS BPO, LLC (SC)

15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports 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 report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION 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 IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and XXXX {$520.00}
Consumer complaint received 2024-04-01
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. (PA)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Several of the recorded entries exhibit inaccuracies concerning reporting, incorrect figures, and dates.
Consumer complaint received 2018-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I ordered a knife from XXXX XXXX XXXX, XXXX XXXX WI and used my XXXX XXXX CREDIT CARD to pay the {$13.00}. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, TX XXXX, keeps billing me for {$13.00} each and every month. I have called XXXX XXXX at XXXX and voiced my concern and they said they would take care of the matter. Now I received a letter demanding {$26.00} that I do not owe. XXXX XXXX is threatening to diminish my almost perfect credit record. 
I have never missed a payment with XXXX XXXX.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a NFCU member and have checking and savings accounts with them. Due to the fact that I live far from a NFCU branch, I've opened a checking account with XXXX  XXXX XXXX to make atm deposits and then transfer funds to NFCU with my debit card, which funds becomes available immediately, since they are processed a cash advance. 
Today I deposited {$200.00} at XXXX  XXXX XXXX and then called NFCU 's automated system to make my transfer as usual. 
When I was finished entering my XXXX XXXX XXXX debit card information and transfer amount for {$200.00}, I got a voice response from NFCU advising me that there was an error on my transfer and transfer was not completed. 
When I checked my XXXX  XXXX XXXX account, my balance was {$0.00} and it showed a {$200.00} transfer to NFCU account. 
I immediately contacted NFCU to see where my funds were and why my funds was not posted to my account, since transfer was made with a debit card and becomes available immediately, and the representative said it was because it was the end of the day. I told her that those types of transfers becomes available immediately, so I was transferred to a supervisor named XXXX who told me that NFCU had rejected my transfer, but she could not give me more information, saying that there was an address mismatch. 
I then contacted XXXX  XXXX XXXX and the representative put me on hold, then the call got disconnected and then it came an automated voice system saying that the bank was already closed. 
My {$200.00} funds are not on my XXXX XXXXXXXX XXXX or NFCU account and nowhere to be found and both XXXX  XXXX XXXX and NFCU are not taking responsibility on this situation, yet, my money is being held on one of the two banks and I have no further information about it.
Consumer complaint received 2023-06-06
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: QUALITY ACCEPTANCE LLC (TX)

I did not give Quality Acceptance the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

Quality Acceptance is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with Quality Acceptance ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and XXXX who are allowing Quality Acceptance to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2023-06-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear, SANTANDER CONSUMER USA I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both SANTANDER CONSUMER USA AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. SANTANDER CONSUMER USA is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX/ XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/17 my credit card was charged {$570.00} at XXXX XXXX XXXX When the funds were not deposited to the merchant 's checking account, an email was sent to obtain the status. The attached emails show the response from WePay which processes transactions for Chase Bank. The merchant was told that the merchant account had been closed and that the funds minus their processing fee would be held for 120 days. The merchant requested that the transaction be reversed and refunded to my credit card account. I accompanied the merchant to Chase Bank and asked that the transaction be reversed. The bank employee called and was told the same thing that is located in the emails. 

Right now, WePay is still holding the funds. Emails from Chase to the merchant are attached.
Consumer complaint received 2018-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I have XXXX XXXX 's a mortgage company,4 to 5 years ago. I called and asked for a notification, they said we had to be six months behind, so we did called back and they said we don't qualify, we got way behind, I think almost a year, then they said we got a notification, and lower our payment, I tried to refinance with another company and they said we had a 40 year mortgage. I checked my paperwork and it had My wife and mine name signed on them, which we did not sign, and then I checked all the paperwork on line, they had servicemember civil relief act paperwork, which myself and my wife, was not in I was in XX/XX/XXXX to XX/XX/XXXX., The reason I'm writing this is I checked my credit report and it had, pai in full, AND it had motifaction paperwork saying loan modified not under a federal government plan, I got on line and checked XXXX XXXX and found out the got sued, nobody let me and my wife know, or I would have signed papers. And also on my statement it says, total regular payment and under that total unpaid amount. Can you help me please, My wife and I never missed a payment until they told us to thank you XXXX XXXX, my numbers is XXXX thank you for all the help XXXX XXXX