davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (VA)

First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which XXXX, Transunion, and/or XXXX obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX in pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA. 

XXXX confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. Transunion has since deleted XXXX from my report which also needs to be deleted from XXXX and XXXX for consistency in reporting. 

Due to the aforementioned negative details on my XXXX, Transunion, and XXXX report need to be removed and accounts updated to paid as agreed. FCRA
Consumer complaint received 2022-04-22
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: Santander Consumer USA Holdings Inc. (PA)

I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.
Consumer complaint received 2022-04-22
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: ENCORE CAPITAL GROUP INC. (MA)

MIDLAND CREDIT MANAGEMENT has violated these laws and my consumer rights : 15 USC 1692 ( B ) ( 2 ), 15 USC 1692 ( C ) ( A ), and 15 USC 1693 ( B ) ( 5 ). My initial communication with MIDLAND CREDIT MANAGEMENT was on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT stated that they purchase a security from an alleged original creditor. Buying and selling securities is illegal and an imprisonable federal offense. I did not sign a TRI-LATERAL CONTRACT with MIDLAND CREDIT MANAGEMENT. Also in XX/XX/XXXX, I sent MIDLAND CREDIT MANAGEMENT a cease & desist as well as an affidavit of truth. Cease and Desist means communication on all platforms including my consumer report. I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication signed. I have not granted MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud
Consumer complaint received 2024-03-11
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. (AL)

Over 6 years ago I received a email from XXXX XXXX XXXX XXXX XXXX who had just switched over to XXXX XXXX XXXX. There was an error made by their system or office that sent out a email to me of a final move out statement for a damaged apartment that I never lived in for {$870.00}. I called the apartment complex and proved to them that they had sent this email to me in error because they didn't have a lease agreement from me and I had never lived in this apartment. I was told that it was sent to collections and I would have to contact the debt collector XXXX XXXX. I have tried multiple times to get XXXX XXXX to remove this debt because it does not belong to me, they ignore my request and continue to lie, and say that the debt is verified and meets FCRA requirements. It's obvious that XXXX XXXX does not even attempt to verify debt because if they did they would've quickly realized the original creditor made a mistake. This could have been resolved years ago but they refuse to even attempt to actually verify the debt which is illegal. I don't have to state all of the consumer laws that are being broken because the companies are well aware of them just as I am, and they are purposely being undermined which is illegal and unethical as a business. Being a XXXX XXXX at the time I was unaware of the steps needed to take legal action. I am now fully aware of the laws that these companies and reporting agencies are deliberately breaking and will now do everything in my power to get justice because this inaccurate information has plagued my credit report for over 6 years. I have email proof from the original creditor amongst other proof that this debt does not belong to me this is my final request to have this removed from all 3 reporting agencies before I take further legal action for fraud.
Consumer complaint received 2022-04-22
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-22
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: Open Dealer Exchange, LLC (PA)

I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S XXXXODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MT)

I submitted a check for {$25000.00} on XX/XX/2022 to Chase Bank. Originally i was told there would be a 9 day XXXX hold on the money. On XX/XX/XXXX I called Chase to ask how to expedite the process, and they said they bank the check came from, XXXX XXXX had to authorize it. I called the individual that wrote me the check after to call their bank and check their account. They reported to me that the money had already been withdrawn from their account, but it wasnt in mine.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (KY)

On XXXX I received an email stating that my payment was going to be deducted from my account on XX/XX/XXXX with my debit card ending in XXXX. On XX/XX/XXXX, due to a lost or stolen debit card, I went into my One Main Account and I cancelled the payment with the old debit card payments ending in XXXX and setup new payments with the new debit card ending in XXXX. One Main canceled all the old payments that were arranged and the new payment with the new card without my authorization on XX/XX/XXXX. Then made an excuse that they had a declined message from the payment method on XX/XX/XXXX, but failed to mention they ran the old debit card, which is a closed account. It was entirely their fault because on XX/XX/XXXX XXXX XXXX XXXX, my bank, approved the transaction to go through on the new payment method or debit card ending in XXXX. One Main explained that they weren't going to pay the fees that I had accumulated for the late or missed payment because it wasn't their fault and insisted to call my bank and have them pay the fees back to me. Clearly they blatantly lied to me at One Main because the bank records at XXXX XXXX XXXX prove differently than their store tells. My facts align with my story.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was diagnosed with XXXX and XXXX  XXXX in late XXXX.Capital one Bank/ Kohls card began calling when payment was a few days past due. I told reps repletely that hospitalized with XXXX and needed assistance. Despite telling them they never enrolled me in program like other credit cards and continued to charge me late fees and lowered my credit limit and ultimately closed my account causing my score to plummet. They also froze my online access preventing me to be able to pay online with the assistance of my wife. They would call my cell phone constantly via robo calling and when my wife would answer they would not allow her to speak with them without my authorization but I was unable due to being on oxygen. Once released and in better health in XXXX I called to rectify and make payment. They were unwilling to acknowledge their incompetency and would not remove fees or higher interest charges from not enrolling in program when requested early in my illness. CapitalOne/ Kohls has destroyed my credit score and closed my credit card with a remaining balance.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc. (FL)

This is an on-going issue with this company. I feel as though I am a victim of predatory lending. I have a DSI loan, where interest accumulates daily. I send extra funds in with my payment to reduce my balance so that I pay less interest over the term of the loan. This company never applies the extra money towards interest although my payments are current and often paid early. I called on XX/XX/XXXX and asked that the extra {$81.00} that was being held be applied to my principal balance. They stated that they would put in a ticket to accounting to have it applied. I got my next statement on XX/XX/XXXX. The {$81.00} was still unapplied and the extra that I paid on XX/XX/XXXX was also not applied leaving me an unapplied balance of {$110.00}. I called again on XX/XX/XXXX to ask why funds were not applied to principal, again, he stated that he would put in a ticket and give them XXXX hours. I called back today to check my balance and this is still unchanged. This company is ripping people off and collecting more interest than they should. I feel helpless, I can only call and take their word for what they promise and they never follow through. This is my second time reporting this company to the CFPB for the same issue. They need to be audited and investigated. This is definitely predatory lending. I have attached the statement that shows the monies not applied to the principal.
Consumer complaint received 2022-11-07
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. (CO)

This is a complaint regarding my personal consumer account with XXXX XXXX. 

I was in talks with XXXX regarding my account, as it went out of service due to none payment. As agreed, the account balance was supposed to be transferred over to my business account, XXXX, XXXX, with the balance paid off on a monthly basis along with my current plan. I am making this complaint, additionally because of the fact that it is stated that I owe a total balance remaining of {$2900.00}. After a year+ of payments made towards my devices : XXXX XXXX XXXX * {$1200.00} ( 30 months ) * {$770.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$830.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$670.00} remaining The payment agreement was agreed upon as a buy one device, get one for free for the XXXX. 

In total, the said amount owed is actually at {$2200.00} However, with the buy one get one, the amount owed to XXXX is actually {$1600.00}. 

I am making a complain on misleading and deceptive practices in which I took responsible measures in order to ensure the integrity of my account and maintaining the trust I had with XXXX to continue paying the balances by agreement between myself and XXXX to transfer the balance over to my business account. 

At this point, I expect the balance to be nullified or to have the balance reversed, the collection item deleted immediately off my XXXX and TransUnion reports, and to transfer the balance immediately over to my business account as agreed upon. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2015-07-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

XXXXThis complaint is a supplement to the Office of the Comptroller of the Currency case # XXXX. According to that complaint, Chase bank claims a factual dispute between myself and the bank employee who entered the errant address XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx. XXXX, based on my instructions. And of course, I dispute their claim. In addition, this subsequent complaint seeks answers to the following questions and request documents that Chase failed to address in their previous response dated XX/XX/XXXX : a ) Is their bill pay envelopes required to have a return address ;, b ) if so, provide proof that the XXXX, XX/XX/XXXX and XX/XX/XXXX carried a return address, tracking code, or mail meter stamp ; c ) provide copies of the front and back of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX signed checks by Bank Manager . Based on the bias assumption held by the bank manager that XXXX XXXX provided errant information, did that perverse assumption interfere with her doing her job of monitoring the paper checks for accuracy before signing them? The only way for us to find out what the bank manager 's actions were is to have the bank produce these checks. The original scenario suggested by XXXX XXXX is more fitting as to what happen then the prevarication offer by the Bank. XXXX XXXX suggested that the clerk entered the wrong information and that when the Bank Manager realized that she signed the paper check with the wrong address, she and her employee colluded and manufactured a bogus story. I am requesting that your agency have Chase bank show proof that the XX/XX/XXXX and XX/XX/XXXX were mailed out and given to the mail man for delivery. Also, state the names of the employees who mailed out these payments. Please explain how both the XX/XX/XXXX and XX/XX/XXXX became available in my account at once after I notified the bank of 55 day car default notice. It appeared that no one noticed the fictitious address until after the delinquencies occurred. I ca n't believe a bank customer service rep entered a wrong address, a bank manager signed the check with the errant address, a postal worker, and a financial company accountant failed to notice a city called XXXX, Tx. each time they processed these checks. Finally, I am requesting that Chase explain why I was mailed a fraudulent letter on XX/XX/XXXX signed by a non-existing employee, XXXX XXXX, who did n't work in that capacity reflected in the letter. Please identify the employee by name and the reason they generated the letter which implies that the bank committed an error.
Consumer complaint received 2023-10-21
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (ID)

Applied for mortgage modification during COVID have been sent so much paperwork to fill out and send back that has taken two years I supply what they need and they say they need something else but they are reviewing the application now they have sent a right of first refusal to the XXXX I belong too giving them first shot at paying my loan so they can get my ground at the same time saying they are reviewing my mortgage assistance application
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

There's a late payment showing on my personal credit report from XXXXXXXX XXXX, but I have never 30 days or more past due on this account. 

I've attempted to work with XXXX in the correction ( s ) and haven't made any progress.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX in checking my account to realize my paycheck was {$1000.00} short. After arriving to work and checking with HR, I learned that I was never notified that a judgment had been awarded to Midland Credit for a credit card that was included in my XXXX  XXXX bankruptcy that was discharged in XX/XX/XXXX. Midland also filed this in a county that I do not live in. I have since submitted proof that the original creditor was included in my bankruptcy. Midland seems to be unwilling to stop the garnishment imposed on my salary and it causing undue financial stress to me as a single father.
Consumer complaint received 2022-11-07
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. (IL)

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 BANK XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 items of information, other than records of convictions of crime 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 the information is inaccurate.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I was on the phone with equifax for over an hour and they would not put a fraud block on my account because I do not have a cell phone and they would not complete the transaction unless I took a picture of my drivers licence and social security card I gave them my social security number, date of birth, address and any other information they requested, I do not want to have someone else cell phone because that would enable any person who had access to that cell phone to have my drivers licence, social security number and thus enable them to steal my identity, I received a notice from the Irs that my social security was possibly being used by someone else for employment purposes This is frustrating because I don't know what to do My name is XXXX XXXX XXXX and you may email me at XXXX Thank you for your attention in this matter
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Consumer complaint received 2022-04-22
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS BANKRUPTCY XXXX 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.