davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (TN)

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 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 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, h

as 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 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (CO)

The following complaint concerns Huntington Bank. On XX/XX/22 the put a freeze on my business checking account. The reason for the freeze was some type of issue 2 checks I deposited. Huntington Bank was never specific about what the issue was with the check. The check amounts were around {$1300.00} and {$3100.00}. Both of the checks were issued from VIP clients and vendors. It was discovered that both checks had actually cleared the banks they were issued by on XX/XX/22. 
They froze my entire checking account on XX/XX/22, with no explanation. 
Dealing with Huntington is a practice in futility. No one there is able to provide definitive answers, or instructions on how to proceed in re-establishing our account. We were told over and over again the account would be un frozen in 24-48 hours, this has never happened. We continue to spend hours dealing with the branch managers, the call centers and the employees. In the meantime our checks have bounced, including a payroll. 
Our reputation with our vendors and employees has been jeopardized. 
This type of conduct by a bank is completely unprofessional, and unethical. 
Are banks allowed to freeze accounts like this? 
Someone help.
Consumer complaint received 2024-03-12
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. (GA)

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to XXXX XXXX  that this debt isnt mine and has yet to get resolved to it
Consumer complaint received 2022-04-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, I found out that Experian credit reporting company was erroneously reporting that my XXXX XXXX account was past due 30 days for XXXX XXXX. I called the XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they repeatedly stated that they did not report my account as being past due. I have contact Experian on multiple occasions via phone and online trying to get this issue corrected. Most recently on XX/XX/XXXX and XX/XX/XXXX again submitting the letters that were sent to XXXX XXXX to correct the issue. Again this has never been reported by XXXX XXXX as past due. Experian never corrected the error. Experian has never reported a status of this inquiry to me. I want this issue to be corrected. This account for XXXX XXXX XXXX is now Closed but I still want the Payment History to be corrected!
Consumer complaint received 2022-04-16
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. (MI)

I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my report.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (PA)

Dear CFPB Team, In XXXX of XXXX, I noticed that JHPDE Finance I , LLC reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX  this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called JHPDE numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, JHPDE denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to JHPDE 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.
Consumer complaint received 2022-04-16
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. (NJ)

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts
Consumer complaint received 2022-04-16
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. (FL)

In accordance with the Fair Credit Reporting act 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 not furnish a account without my written instructions
Consumer complaint received 2017-08-25
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. (IL)

There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened onXX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

I would like the assistance of CFPB in contacting Citibank Item 1 : I have been charged credit protector fees for several of my credit card accts. I have only received credit for those which I have brought to the attention of CFPB. I have never received credit for my account am I referencing on this complaint. 
Item 2 In 2015 I paid Citibank on account {$9500.00}, I only had charges totaling {$1400.00} see attached information is taken directly from Citibank st my statement. They gave me a credit but kept my overpayment. I am asking for an immediate explanation. I have called XXXX XXXX several times. She does not answer the phone. She sent a bunch of old statements but my overpayment and some of my credit protector refunds are st still pending. They only gave me credit for accounts I requested. They did not give me credits for all accounts in my name. 
I hope that they read what I have written and reach a conclusion. 
Citibank has partially cooperated since CFPB has gotten involved with my account.
Consumer complaint received 2022-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (IN)

So I took a loan out and have been making payments for XXXX dollars every payday. I have made XXXX payments. Today is XX/XX/XXXX my next payment is due in the XXXX when I get paid. Today I tried to pay off my loan and they said they are already processing the XXXX payment so I can not do that. The lady then states that I would of had to call by the XXXX. I'm like yes I did today I'm calling and she said she is still going to charge my XXXX then get me a payoff amount. Why do I need to make a payment before it's due before paying off? Also I was told on the phone I could call today the XXXX.
Consumer complaint received 2022-04-16
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

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 a account without my written instructions.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

All related accounts are Band of America checking accounts. 
On XX/XX/XXXX, I received a notification that an amount of {$130.00} was deducted from my current checking account. I called BOA many times in the recent 2 weeks. All related departments including customer service, account recovery department, fraud department, claim department kicked me to other departments.

From their words, I concluded the information, it is a long story.

1. I had a closed, frozen checking account ( ending in XXXX ), which was frozen around XX/XX/XXXX and closed in XX/XX/XXXX. BOA stated that I owed BOA a balance due with {$28000.00} on this checking account. 
2. I never received any formal notification or letters from BOA. But recently when I tried to open new checking account at other banks, I was told that based on " Early Warning report I am not eligible for opening new account as I might have debt with BOA.

3. Back to XXXX, I logged into BOA online banking and noticed that a transaction with {$28000.00} was deducted from my previous checking account. The screenshot with this transaction showed the money was transferred by a check and this check is a machine-printed check without my signature. Actually, I had never booked a check book for this checking account. 
4. I reported immediately to BOA Fraud department. After review the details of this transaction, the fraud department returned the credit to my account. After that, fraud department helped me freeze this checking account, set up a new checking account, new log-in ID for my online banking and also transferred all money from frozen account to new checking account. All these transactions happened in XXXX XXXX. 
5. Since then, the frozen checking account had a balance with XXXX dollars. I did not touch the frozen checking account any more. This frozen account was removed from my online banking since XX/XX/XXXX by the system. I have had no access since then.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

I received a letter claiming that I owe {$350.00} from Aldous & Associates P.L.L.C. on behalf of XXXX XXXX XXXX. I found out that XXXX XXXX XXXX is a business that is associated with XXXX XXXX. I called XXXX XXXX, and the company said that I didn't owe them anything. I had gone by the XXXX XXXX store in XXXX and cancelled out my service. At that time, I made all payments that were owed including paying off a Hum, the cancellation fee on my cellular phone, and paying off a tablet on the account. Suspiciously, after not receiving any bills in the last 2 years, I received a letter from Aldous & Associates P. L. L. C. in early XXXX. Perhaps, payment records were lost due to Covid-19. We went by the XXXX XXXX  store and talked to XXXX on XX/XX/XXXX. She said that due to the age of the account that she did not see any record of the account. She said that the letter looked suspicious because XXXX has their own collections department and typically does not use attorneys to collect their bills. She said that the account number did not look like the traditional XXXX account numbers either.
Consumer complaint received 2022-04-16
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. (NY)

In accordance with the Fair Credit Reporting act Convergent Account ; 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2022-04-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account ; 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am writing to address a concern regarding the extended fraud alert currently placed on my credit report. My name is XXXX XXXX, and I kindly request the prompt removal of this alert. I have enclosed the necessary documents to verify my identity, including my proof of ID, proof of address, and proof of my social security number.
Consumer complaint received 2024-03-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: HILLTOP HOLDINGS, INC (TX)

XX/XX/year> Purchased townhouse, with {$180000.00} for, paid XXXX XXXX XXXX  for closing cost on taxes. 
Mortgage company would not listen to me at all. 
Prime lending and a plainscapitol, so within 45 day Prime lending, sold to new server, received two 1098s one for {$850.00} and another {$3600.00}.

If they would of use the original {$6000.00}. For closing there would of not been a 1098 for {$3600.00}. Dated XX/XX/year>. 
Since taxes weren't paid originally on XX/XX/year>. 
I started receiveding taxes due statements from XXXX XXXX XXXX. 
I've spent days on the phone waiting. XXXX 100 % XXXX XXXX, homestead over XXXX. 
XXXX still fighting with them. 
For fees To be refunded. 
Then my insurance company talked to them and determined that they were going to raise my Premium {$1100.00}, on top of the {$2500.00}. Annual equals {$3600.00}. Plus the the original house payment {$1200.00}. They have up it to {$1900.00}. 
I have been able to reduce house payment down to {$1500.00}. 
I been able to to talk with XXXX XXXX for help for year now. 
And now they want to hear what happened are looking into the white collar of pre meditate embezzlement. 
Thank you for this opportunity. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Texas XXXX XXXX XXXX XXXX XXXX. 
I have documents to support this pre meditated embezzlement.
Consumer complaint received 2022-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

I have been paying on my student loan since XXXX. The original load was {$8300.00} on XX/XX/XXXX. 

For several years, I have had my payments auto-debited. {$140.00} is deducted from my checking account monthly. In XXXX of XXXX, my auto-debit continued, but the amount applied to interest changed dramatically. I was current on my loans- in fact, a few months ahead of the loan schedule. There were no issues with payments. I had an APR of 5.125 %. 

In XXXX of XXXX, without warning, the amount of my {$140.00} payment applied to interest went up to {$45.00}. In the following 4 months, XXXX XXXX, 100 % of my payment was applied to interest. So, in fact, my principal actually increased during those months. 

Payments stopped from XXXX XXXX XXXX XXXX XX/XX/XXXX, auto-debit resumed with {$140.00} going entirely to interest. In XX/XX/XXXX, {$77.00} went towards interest. I contacted Nelnet 's help chat function who told me they were pre-charging interest. I asked if I would get a refund if I paid off the account, and I was told no. My balance should be HUNDREDS of dollars lower as that is how I originally set up my auto-debit. I trusted the terms of the payment would not be changed without my consent. 

I would never pre-pay interest on a loan. For over a decade, I paid {$140.00} every month as an amortized loan where the principal continued to be adjusted. I am disgusted that I made my monthly payments and my principal only increased for several months. Now I'm being charged interest on that increased principal.
Consumer complaint received 2022-07-25
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)

In accordance with the Fair Credit Reporting act 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-16
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: Merchants and Professional Bureau, Inc. (TX)

My medical information was sold to a creditor in accordance with The Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604a section 2 it is also States a consumer reporting agency can not furnish accounts without my written instructions 15 USC 1681 section 602a States I have the right to privacy XXXX XXXX also violated the HIPAA law
Consumer complaint received 2022-04-16
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. (FL)

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX county Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, XXXX, AND TRANSUNION... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, ACCT NO. XXXX, XXXX  ACCT NO. XXXX AND XXXX ACCOUNT XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON