davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (AR)

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.
Consumer complaint received 2024-02-25
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. (CA)

Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights. 

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent matter.
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Last week I spoke with a representative from Toyota Financial about the struggles we faced with Covid 19. We were told that our XXXX and XXXX payments would be waived and our lease would be extended by two months with zero fees due to the pandemic. When I called on Monday to ask why the changes were not being reflected in our online account and it showed that I would be billed on XX/XX/XXXX, they said it was being processed immediately. 

I called this morning to check on the status of our request and inform them that I would be reporting this to the federal government if they did not process the request as they had promised. They said that the request for my deferral had not been received until this morning and it would " take time '' to process. They are scheduled to bill my account tomorrow morning, the payment has not been shut off. This should be illegal as I was told four times by four different representatives from the financial institution that this would not happen.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

On XX/XX/2020, based on statements made by CA Gov. XXXX XXXX, I contacted US Bank regarding my mortgage. I was told that I would be given a 3 month forbearance and that during that time I would not accrue fees or penalties and I would not be reported to the credit reporting agencies. On XX/XX/2020, I received a letter from US Bank that contradicts what I was told on the phone and what is stated on the XXXX XXXX website. I called US Bank and was told that this is not their problem, they are going by what XXXX XXXX has told them and I should call XXXX XXXX. I did. XXXX XXXX said they did not know why US Bank was not complying. 

Quite frankly this smells bad. The letter says that if I don't contact them to opt-out I will automatically be enrolled in the forbearance program. How many people are actually going to read the whole letter and discover the " fine print ''? Is US Bank trying to set up its customers for a foreclosure?
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MO)

I just received a collection notice in the mail on XXXX regarding a service that was done in XXXX by a XXXX office. The last bill that had been sent to me was in XXXX from the collection agency in which I believed I took care of. I had not received any bills post XXXX until XXXX of XXXX which is 10+ years later. They also stated that they had recently sent be 2 e-mails regarding this bill and after looking through all aspects of -email, including the spam and trash mailboxes, it did not show any e-mails from this company. 

The company that sent the collection bill 10 years or more after the service is Convergent Outsourcing Inc and the bill was regarding was XXXX XXXX XXXX XXXX XXXX in which they have no regard of me being there since back in XXXX as medical offices usually shred patient chart information around 7-10 years since date of service. Convergent Acct number is XXXX and the original account number is XXXX.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, i filed a complaint with cfpb, case number XXXX- the companys response stated they will report my concerns, this is well over A YEAR AGO, and the bureaus response is unacceptable, and time has lapsed. In summary - transunion is reporting a bankruptcy on my report and can not provide verification, athough they appear to have validated this account, I, the consumer have the RIGHT to demand HOW they validated. I have a letter from the court that they did not FURNISH this information and all other data collectors and buyers have been FROZEN please provide HOW transuinon validated this information, They have been given enough time, and their response is insufficeint, Please do not close this complaint, as i am taking careful notes to report to other agencies. i have, attached the letter from the court, their several claims of validation from XXXX and XXXX. They have reported an address on my credit report of the bankruptcy court, which was RETURNED to me for a wrong address, in which i will also attach. I am getting the run around from transunion, who will not respond approriately
Consumer complaint received 2022-12-31
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. (PA)

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank : # 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 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 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Reverses Merchants Credits Leaving Consumers with Fraud Claiming them to be USAA credits See attatched statement PERMANET MERCHANT CREDITS POSTED. {$28.00}, {$47.00}, {$34.00}, {$21.00}. on XXXX & NEW PURCHASES POSTED. IN THE SAME AMOUNT {$28.00} {$47.00} {$34.00} {$21.00} on XXXX.???? WHY DOES USAA GET TO REVERSE WHAT MERCHANTS CREDITED? Why does usaa claim credits they did not give? WHY DOES USAA GET TO USE TEMPORARY CREDITS NOT YET MADE PERMANET TO POST A PERMANET NEW PURCHASE?
Consumer complaint received 2020-03-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC (TX)

recently a collection appeared on my credit report from vericred credit solutions. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I had an account with PayPal and about 8 months ago, I was notified by PayPal that PayPal would be closing my account and that any funds still in the account would be released to me after 180 days.

Those 180 days have long passed and PayPal is refusing to give me my funds totaling {$5000.00}. I have reached out to PayPal over 40 times requesting that they release my funds, but PayPal has not been helpful. They keep telling me that my funds will be available for release in 72 hours, but they never release the funds.

Its absolutely unconscionable and cruel for PayPal to arbitrarily hold peoples funds for over 8 months, especially during a pandemic when everyone is going through a hard time financially.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I attempted to dispute the items below via TransUnion 's site however I was presented with " Unable to Complete Your Request '' ( see attached ) screenshot. My TransUnion Credit File # XXXX shows 'Month and year that this item will be removed : XX/XX/2020 ' on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX/XXXX # XXXX ; XXXX  XXXX # XXXX. Under the FCRA I have the right to dispute incomplete or inaccurate information and Consumer reporting agencies may not report outdated negative information ( see attached ). Based on these facts the trade lines listed above must be removed from my credit report. Attaching my passport information as proof of identity.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (SC)

Discover Financial Services LLC failed to validate their account and Discover Financial Services LLC have no knowledge of who opened the alleged account. AGENT NAME ( Fraud and dispute department ) requested the authorized representative for IDENTITY THEFT VICTIM to sign the name 3 times on documents provided by Discover Financial Services LLC and send in identification on an account that is listed as closed & charge off. ( IDENTITY THEFT VICTIM ) is a victim of identity theft and will not disclose any private information without proof of a previous contractual agreement with Discover Financial Services ; signed wet-ink. Discover Financial Services LLC received insurance payments each time the account was charged off. AGENT NAME was informed that the call was being monitored and recorded also. Discover Financial Services LLC failed validated their alleged account.

Discover Financial services LLCs representatives failed to request an address, phone number, answers to security questions or anything that could actually identify IDENTITY THEFT VICTIM. 

Discover Financial Services LLC is NOW conducting fraudulent credit practices by updating information on IDENTITY THEFT VICTIM 's credit file without verification of data. Discover Financial Services LLC has also been proven to be a fraudulent card member service company that violates its alleged clients rights. 

On XX/XX/2021 an email was received from AGENT NAME of the Executive Office of Customer Advocacy. Identity theft victim has no idea who the email came from. Only the CEO of Discover Financial Services received an email. This email will also be added to the proof of failed validation attempts from Discover financial services. 

all supporting documents will be uploaded per requests.
Consumer complaint received 2020-03-31
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. (GA)

Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020, For the amount of XXXX and an available balance on my credit cards. My card was declined because they had mistakenly taken my last C.C. Payment from the wrong account. After calling to schedule the missed payment, my account is decline a small fee. I spoke with a representative prior to the purchase and was not informed my cards wouldnt work. I have a 100 % on time payment. Called and resolved the issue. Capital One decides to decline my purchases because my payment is scheduled for the next payment date. The one time removal of the late fee was used. I thought Capital One values customers. Ive been with them for 5 years and never made a late payment. I was Embarrassed in line holding up shoppers for 25 minutes. For {$13.00} charge. This company is not loyal to customers. Ill be paying both of my CC off next month and never using them again. No more interest charges from me and I will NEVER EVER recommend this company and be the first to let people know how untrusting they are. Loyalty goes a long way.
Consumer complaint received 2020-03-20
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. (TX)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2020-03-20
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. (TX)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND XXXX  HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS AND ASSOCIATES HAS REPORTED A TOTAL OF 14 DIFFERENT MEDICAL COLLECTIONS ON MY REPORT WITH DIFFERENT DATES OF ORIGINATION AND AS XXXX XXXX AS THE ORIGINAL CREDITOR .... I NEVER RECIEVED A COLLECTION NOTICE IN FIRST PLACE.. I CALLED TO INQUIRE ABOUT THESE COLLECTIONS AND WAS TOLD TO PROVIDE ALL PERSONAL INFORMAITON AS THE LADY TYPED IT IN SHE SAID THEY DIDN'T HAVE MY SOCIAL # IN FIRST PLACE AND NOW THEY DO ... IT UPSET ME GREATELY ... I ALWAYS HAD 100 % MEDICAL COVERAGE AS A XXXX EMPLOYEE AND CONTACTED THE HOSPITAL WHO STATED THEY WERE NOOOOO PAST DUE BILLS AND THEY DO NOT CONTRACT IWTH RASH CURTIS FOR COLLECTIONS ... AS I DISPUTED THESE WITH CREDIT BURAUS A FEW WERE REMOVED AND NOW RUSH AND CURTIS POSTED 9 MORE  COLLECTIONS WITH NEW NUMBERS AND AMOUNTS ... THIS IS NOT LEGAL AND MUST BE REGULATION AGAINST THESE FRAUDUENT COLLECTORS RASH CURTIS AND ASSOCIATES # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Consumer complaint received 2020-03-20
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. (TX)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Over 2 months ago, I applied for a mortgage with Pentagon Federal Credit Union. My credit score is excellent and the loan to value ratio on the loan was low. About 30 days later, the Credit Union told me my loan was approved and asked me to wire over {$15000.00} to the title company for closing, which I did. One day later, they told me they couldnt close the loan because there was a lien on the property for solar panels. After a few days of back and forth, I submitted the paperwork to get the lien cleared. Over the last three weeks, I have tried to contact Pentagon many times through both email and phone channels and have received no response. I have asked them to send back the funds and they have not. I have asked them for the status on the loan and received nothing from them. Right now, the title company still has my money and I can not apply to another mortgage company to secure the loan. I have had no communications on when or even if the loan will close. I am a XXXX XXXX on an average income and need to have the money returned so I can secure a mortgage while interest rates are so favorable. Thanks so much. Please help.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2019 I contacted Capital One to discuss the financial hardship and unforeseen unemployment status and my husband 's situation with his XXXX and SSI pending hearing. Capital One assured the both of us and sent me an email in XXXX to confirm our phone conversation. I was informed that we wouldn't be penalized for late payments because we would be placed in 3-6 month no penalties and free of late payment worries. However, instead capital one reported those months of financial hardship and unemployment as late payments which are now impacting our credit report. I ask that Capital One remove those late payment recordings immediately on both of my cards including my husbands card who is XXXX and unemployed and does not receive SSI still pending hearing with judge/attorney.
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

Sears has an old debt reporting on my credit that was paid off in XX/XX/XXXX from back in XX/XX/XXXXand l used a consolidation service to pay off all debts. Sears agreed to a settlement of the account and we paid the amount but now they are saying I had another account which I did not. Now from my understanding from being on the phone with them for many hours, is the account is too old to do anything but send a check to an address and they will not accept the settlement letters or remove it from my credit. Please help me remove this from my credit.