davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} Closed 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-11
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. (NY)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Fraudalent inquiries are reporting on my Transunion credit report. I contacted the company to resolve this issue with no success. A report is attached.
Consumer complaint received 2023-02-11
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. (DE)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Consumer complaint received 2019-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC (TX)

XXXX and XXXX contacted me concerning a loan I had in XX/XX/XXXX with Flagship credit acceptance stating I owe XXXX but the will settle for XXXX. I contacted Flagship and was advised they closed the account in XX/XX/XXXX. XXXX and XXXX threaten to sue me and put a bank levy on my account. It was suspicious because no details about the company is verifiable, I only receive the first name XXXX, no last name stating he was an attorney then he later said he was a paralegal. Several calls were received but wasnt stating this is an attempt to collect a debt clause, He just rushed and frighten me by Requesting payments via XXXX XXXX or XXXX. The phone numbers given are XXXX and XXXX. And they did not have correct information and asked for my last four digits of my social security number. I believe this is a fraud or scam. When I submitted the address given, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX in XXXX it provided a residence for XXXX XXXX. not a business. Nor was I able to search the company online. They didnt seem to have details that they should have known to begin with.
Consumer complaint received 2022-04-17
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. (FL)

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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the 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.
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) pulled a hard credit inquiry on XX/XX/2022. Ive never applied, customer service has hung up on me 3 times when i called to inquire who, what or why the inquiry has been made to my credit
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/XXXX I refinanced my XXXX XXXX XXXX ( VIN XXXX through Navy Federal Credit Union with my wife as a cosigner. The loan number is XXXX and since the mileage was over the " New classification '' it was deemed to be a used car loan. The amount financed was {$65000.00}, at XXXX XXXX interest for XXXX months. I wrecked this vehicle on XX/XX/XXXX, it was totaled, and I contacted NFCU to get the GAP protection activated for the payoff discrepancy. It wasn't until this call that i discovered that the loan ending in XXXX was in fact on another vehicle. The other vehicle is a XXXXXXXX XXXX XXXX ( VIN XXXX ) and the loan number is XXXX opened on XX/XX/XXXX and is a new car loan. The amount financed was {$69000.00}, at XXXX XXXX interest and the term was XXXX  months. There are two loans with different terms, amounts, and periods on the XXXX XXXX. By NFCU 's own admission on a recorded telephonic call that occurred on XX/XX/XXXX at XXXX Central time. The customer service representative relayed to me from her supervisor that yes indeed NFCU made a mistake. With this information the representative then also said since I had signed the promissory note that the loan is valid and they would do nothing to rectify the situation. The NFCU Security Agreement states the following : " The owner ( s ) of the collateral warrant ( s ) that he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral ; and that as the owner ( s ), he/she has the right to make this agreement. If the collateral described on the front is to be purchased with the proceeds of this loan, Applicant warrants the proceeds will not be used for any other purpose. '' Their own rules and agreements are not being followed and I am now suffering great mental and physical stressors that are leaving me with a myriad of symptoms. I don't understand how this practice is legal.
Consumer complaint received 2023-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

For several months, Carrington Mortgage has been harassing me. They are calling me threatening me with putting my house in foreclosure. Telling that they are not going to pay the property tax. Claiming that I have been missing payments. Also, they are sending false information to the three credit bureaus.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I want a credit limit increase I deserve it and eveyirne I call them their system without checking my credit declined me for XXXX reasons when I make my payments on time and I want a contactless card and they dont give me one
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I purchased 4 XXXX XXXX XXXX tickets through Chase Ultimate Rewards portal on XXXX. But I was not provided the tickets even after making full payment using my Chase reward points. The tickets were for visit to XXXX on XXXX. I have called chase multiple times on XXXX and they are unable to provide a voucher even after receiving full payment. This is complete deficiency in service. Further, their call center employees put me on hold for several hours combined causing me mental agony and lost holiday time. I didnt want to spend my holidays on calls with Chase customer care. the employees were not helpful and made false assurances on recorded conversations which were not fulfilled. Chase will be liable for all losses, money, time and otherwise incurred by me and my family due to such deficiency in service. Further, the Call center employees wanted to put me on a 40 minute hold and refused to arrange a call back making me a virtual employee of chase without adequate consideration.
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

In XXXX, I took out a loan on property located in SC. I have paid on time-no exceptions. Part of this loan included PMI with very clear documentation from the lender that in accordance with federal law, the PMI would be cancelled upon buyer request meeting certain requirements. However, the documentation and the law itself clearly states the PMI will be automatically cancelled if the equity reached 78 % of the original loan value. 

As of XX/XX/XXXX, I have saved my money and paid down to 77.87 % which is clearly marked on the website and acknowledged by the escrow agent ( XXXX XXXX who wrote in response to my dispute. The website also indicates that the value of the home has increased by {$100000.00}. XXXX indicates the value has increased {$200000.00}. 

However all of that is irrelevant as the documentation and the federal law indicates automatically cancellation in the original value. 

Yet when I inquired as to the cancellation I was informed I had to pay for an appraisal. I filed a dispute. They have closed my dispute. 

Besides the fact I am being asked to spend more money to achieve something they are required to do my law, why would I trust them to do appraisal of my home to cancel the PMI the law requires them to automatically do? 

I have had no complaints with this company although escrow seems to continue to increase until this moment. I feel as if they are simply not following federal law. I will pursue this further and expect a refund if all PMI payments paid past point I reached XXXX  %. 

It is just deceitful, lack of notice, lack of due process to provide clear documentation of the PMI expectations that mimic word for word the federal law. And then change the rules once you reach the point as communicated within federal law and their own documentation of automatic cancellation. 

I want my PMI cancelled. I want this company to meet their documented information. I want this company to follow the law.
Consumer complaint received 2023-02-14
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. (AR)

Experian credit bureau does not do a real investigation into disputes for inaccurate information being reported on my credit file. I had previously had an account with XXXX wireless back from XX/XX/XXXX that was removed for reporting fraud information. They have now allowed them to update the same wrong information just not through an illegal collection company that has put the date of the account for XX/XX/XXXX. XXXX has no information of this account an I have disputed it once an Experian verified it as accurate so I disputed again an they refused to even look into it. This account has been removed off my other 2 credit reports but Experian continues to allow illegal an inaccurate information to be reporting an Im asking for it to be removed immediately.
Consumer complaint received 2019-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CA)

This number has repeatedly called me leaving no messages until one day I finally answered but said nothing. The person named XXXX came on the line and identified the company and self at my request. She refused to disclose her reasons for calling until I ID 'd myself for which I refused. I don't know her or that company! She claimed she was calling about a personal matter which usually means it's a collection agency. She declined my inquiries to find out what her business was about, I told her if they robo called me again I would report them to you. I decided to do it anyway because I'm tired of getting calls from collection companies who may/may not have the right person but continue to call from different numbers under the same area code which is a different form of harassment. This has gone on for 3 months! If this is supposed to be a legitimate business, no identifying info comes up on them so I don't know who this company is but if they call me again I'll sue them then we'll find out who they are. I've received no mail from any company by this name which tells me it's not a legitimate call! I've been called by similar numbers all with the same lack of identifying info, which I'm sure is them : XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; this constitutes harassment. I have no idea who they are, have never heard of them and in all the times they've harassed me with these robo calls they've never left any detailed messages or sent written correspondence explaining why they are calling. If they end up on my credit reports I will sue them for that reason alone, then add the robo calls to the list and send this complaint along with the one to the FCC filed today, to the judge for review. I'm sick of robo calls and unidentified numbers calling me without identifying themselves, leaving a message or notifying me in writing. Doesn't matter how legit their claim is, if they haven't notified me in writing and only harassed me through robo calls I have the right to sue them and will gladly do so, especially if this is on my credit!
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I contacted Comenity Bank on XX/XX/XXXX ( Credit Card - creditor ) to place a dispute, because I did not receive merchandise and the merchant is not answering calls or responding to emails. On XX/XX/XXXX, I placed an online order with New York & Company and received a same day order confirmation # XXXX {$280.00}, which included the shipping method - economy 5-8 business days. I contacted New York & Company customer service, after the 5th business day to check on the status of the shipment via phone but no one answered the calls. I called again the next day and still no response from customer service. At this point I contacted the bank and they suggested that I send an e-mail to New York & Company, I did but still no response. Therefore, I contacted the bank again. I was informed that New York & Company charged my account on XX/XX/XXXX the same day, which is not usual, typically the charge occurs the day it is confirmed to be shipped. The bank also informed me that my billing date is approaching and to be sure to make a payment so to stay in good standing. I asked if other customers were calling with the same concerns and the representative did confirm that he had received several complaints about this issue from other customers. I told the representative that I will make a payment, but I wanted to file a dispute because the company did not send the merchandise and they are not responding. The company is also continuing to send daily sale advisements to my e-mail, which I feel is misleading sisnce they appear to not be honoring orders which have been placed and paid for. The bank representative appeared to struggle to place the dispute stating that he did not have an option on system for not receiving merchandise. After several minutes he finally found a code to complete the dispute, I asked if I would receive an e-mail confirmation that it was filed. He stated no, but the call is captured through notes and if I called back the records can be pulled. At this point, I am also very concerned that the bank may be aware of major potential issues with New York & Company, but they are not proactively doing anything to protect customers.
Consumer complaint received 2023-02-11
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX  Act # XXXX XXXX/Dept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under an open end consumer as late for any purpose.
Consumer complaint received 2023-02-11
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. (GA)

This is my FURTHER Complaint that I was the XXXX XXXX XXXX XXXX Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-11
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. (ME)

In XXXX with the Fair Credit Reporting act 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 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 2023-02-11
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. (OH)

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 : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXXXXXX 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 2023-03-01
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. (PA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX  ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX XXXX XXXX XXXX. I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the proof