davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (MI)

Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I, XXXX XXXX , consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ).

Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Account name, legally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and Transunion. | did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders.

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Cancelled an extended warranty on my Capital One auto loan. I have confirmed that the warranty company issued a refund to the dealership. The dealership has stated the funds were sent to Capital One. It has been over 60 days trying to resolve this issue in a timely manner. Capital One has failed to issue a credit to my auto loan for the cancellation of the extended warranty. Capital One has failed to respond to my complaint in a timely manner. Capital One has failed in posting the credit to my account in a timely manner. Capital One has failed in sending me updates concerning my complaint. I continue to pay daily interest on inaccurate principle balance because Capital One is delaying the posting of the large cancellation payment towards my auto loan. Capital One has failed to be prompt, reasonable, and accurate concerning the true balance of my auto loan.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AL)

Went to XXXX XXXX XXXX  web site. Got one report, Not sure which one, I got confused. The other two said there was problems and told me to request a report through the mail. Not an option that I want. When I tried to start over I kept getting looped back and had to re-enter info multiple times. All subsequent attempts failed.The website is TOO unforgiving and confusing. I think that is deliberate by the credit reporting bureaus. Make things as difficult as possible to discourage users.
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (GA)

I am writing to dispute credit inquiries on my Experian credit report that I believe lack a permissible purpose under the Fair Credit Reporting Act, specifically referenced in 15 U.S.C. 1681b. The inquiries in question do not reflect my consent or knowledge, and I do not recall initiating any financial transactions that would justify these hard inquiries. 

Here are the details of the inquiries : Inquire : XXXX XXXX XXXX Date : XX/XX/2024 Inquire : XXXXXXXX XXXX Date : XX/XX/2024 According to 15 U.S.C. 1681b of the FCRA, credit reporting agencies are prohibited from releasing a consumer report for any purpose that is not listed under the permissible purposes. Since these inquiries appear to lack such permissible purposes, they must be deleted from my credit report.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: UNITED FIDELITY FUNDING, CORP (OK)

After our application was approved, we were ready for an appraisal. Our first appraisal did not pass based on the type of loan we were trying to get. The company told us we could fix everything that the appraiser called out and have a reinspection done. We were ready for a reinspection and after the mortgage company took our payment for that reinspection before it was even scheduled, the mortgage company proceeded to inform me that they can no longer use the closing company we had picked out to use. They refused to let us close with the closing company we had originally picked out and were going to make us choose a different company. I was advised by an attorney that they can not legally refuse to use the closing company we had planned to use.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I purchased airline tickets online through a third party in XXXX of 2019. 

Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes. 

I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me. 

Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates. 

That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}. 

This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to. 

Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket. 
I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services.
Consumer complaint received 2022-03-22
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-12-29
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX **** Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a 609 letter to XXXX, XXXX and TransUnions on XX/XX/2021 to remove and verify some accounts that have been reported as late, that were never late on my part. I take pride in making sure my bills are paid on time. But They have been reported negatively and in turn put a financial strain on me an my family as we can not get approve for a car or house. I requested to have them take a look into this but have not complied with any proof and it has been over 30 days now. I sent a demand to comply letter aswell. My reason for this complaint is because the bureaus are not doing their job or anything about my report.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

On approximately XX/XX/2017 my vehicle was repossessed and I was refused a payment reinstatement and a payoff amount. The creditor did not give me the date, location, or sale price at auction, regardless of my calls. 
My complaint is they failed to give me proper notice by rule of law.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2021-03-16
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management initiated a warrant in debt suit in XX/XX/2020. I sent them a letter asking for proof that it was my debt since my information has been involved in 2 information breaches. I also kindly explained to them that I am on XXXX. 

The court case was continued. I received the results of their verification past the 30 day limit ( late XXXX ) and in that letter they failed to provide a valid signature bearing my name. I was provided a print out with my name, date, address, and notification that they completed their investigation. 

The company also had previously closed my account on my credit report. Monthly, the account is reopened and I am notified that new fees are added. My credit score depletes and then the account is removed again. 

I am scheduled to reappear in court on the XXXX of this month, which, I am sure will be continued for a 4th time ; since they refuse to provide me with adequate proof in the allotted time. 

This is not my credit card. I do not think manipulating my credit report to encourage me to pay debt that is not mine is appropriate.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On XX/XX/2020 an order was placed with XXXX for {$2800.00} for a computer and the Order number is XXXX. The item was to be shipped by XXXX and delivered on XXXX XXXX, 2020. I wasn't home that day and when I got home the package was not present. the tracking number is XXXX. I checked with my neighbors and waited the requisite 2 days for delivery. After which I contacted XXXX by phone and they were not helpful at that time, so I filed a Dispute with Charles Schwab Bank. Charles Schwab then gave me a temporary credit and reversed the credit on XX/XX/2020 and stated that the charge was legitimate. I then contacted XXXX and they stated I was to file a Police report. The police report was filed with the XXXX XXXX Sheriffs Department on XX/XX/2020. The report was made available on XX/XX/2020 and sent to Charles Schwab and XXXX. The only fair resolution is to refund me the {$2800.00} as the computer was not received by me and either was not delivered or was stolen.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (IL)

I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXXXXXX Inquiry-XXXX XXXX XXXXXXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.
Consumer complaint received 2020-03-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (PA)

My home loan was sold to Mr. Cooper in XX/XX/XXXX. Since the beginning of working with them they were rude and deceptive. Due to the awful treatment we decided to refinance. We started this process on XXXX XXXX XXXX. During this process Mr. Cooper was misleading to our new lender and trying to keep our new loan company from completing the refinance. They lied and said our loan had been sold, they repeatedly gave inaccurate payoff amounts. Due to this delay we waited weeks to complete our refinance. In that time our PMI was paid out of escrow for the XXXX  year ( we bought the house in XXXX of XXXX paid PMI in our loan closing [ line 902 on the loan disclosure I have included ] and have paid every year since [ as the statement from XXXX I have attached shows ] ). I have attempted to get this money back but again I have experienced road blocks and lies. I was told that the PMI was for XXXX so I cant get a refund ( during this entire process to this point everyone agreed the PMI was for XXXX ). Then the agent told me they would have added it to our payoff amount anyway so why am I complaining ( I dont understand why they are entitled to this if I am closing my loan ). But on top of that they tried to charge us over {$2000.00} for additional PMI in our refinance. Mr. Cooper agreed that this was a mistake ( intentional I really believe ). The {$2000.00} is supposed to be refunded. I would also like the {$680.00} of PMI taken in error refunded. This company should not be allowed to continue to deceive buyers this way.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (IL)

I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts US Bank account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX- XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.
Consumer complaint received 2020-03-12
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. (CA)

I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX  XXXX Balance {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX Balance {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently examined my credit report and I realized that there are some accounts that are reporting on my credit file that are incorrect. These false accounts are not mine and I have no information on these accounts. I have no idea how someone could have access to my credit report and now due to this, I have no opportunity to acquire new credit. Please perform a reinvestigation into this matter and have these derogatory accounts taken off from my credit file
Consumer complaint received 2023-01-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX