davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Acct These Companies has violated my rights with Hard and Soft Pull Inquiries. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-06
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: ALLY FINANCIAL INC. (GA)

Ollo Card Services reported a transaction dispute to all three credit bureaus which caused my credit score and my wife 's credit score to decrease. I've never had a dispute result in a decreased in my credit score. CFPB : Is this process legal?
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to urgently dispute delinquent payment statuses on two XXXX XXXX credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the XXXX XXXX cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I've tried to get my Money back at several Money Gram locations here in XXXX, TN, but unsuccessful. My Money Gram references are # XXXX and XXXX for a Total of {$690.00}. The locations were Walmart ( two different locations ) and XXXX XXXX ( Orig. location ). This process has been going on since XX/XX/2019. I was trying to send Money to a girl that I know in another country, but trans. was cancelled for some unknown reason on there in ( Money Gram ).
Consumer complaint received 2023-01-19
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Consumer complaint received 2023-02-21
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: SANTANDER HOLDINGS USA, INC. (CA)

I contacted Santander Consumer USA on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, Santander did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

dear CFPB, on XX/XX/XXXX at XXXXXXXX XXXX I attempted to withdraw {$500.00} dollars from a local atm at XXXX XXXX however no money was dispensed I when ahead and asked for help an associate named XXXX assisted me he did a 2nd attempt to withdraw {$500.00} and again no money where dispensed after this he immediately call security to inspect and open the atm machine the security officer pull the report and gave me a copy such copy shows and proves all the misfunctions of the unit ( dispenser errors and jam on cassette ) on both transactions, I was told per XXXX and the security officer that with the proof receipt my bank ( bank of America ) will reimburse the money back in to my checking account, I already spoke and explain the situation many times to bank of America associates i also send the receipt showing the machine errors where clearly shows that no money where dispensed, and still they deny my credit and charge me for both transactions as valid, please help, I'm attaching the receipt from atm and my bank charged transactions
Consumer complaint received 2023-03-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

Hello, I am unemployed and can not find a job so I had no choice but to sell my home. I thought my 2nd was forgiven since I could not locate my lender and come to find out they went out of business. When I listed my property for sale I all of a sudden received a letter from a collection agency stating the I owe an enormous amount of interest on top of my original loan amount. I never received the transfer of service letter and the monthly payment stmts and the loan matured in 2022. I called that collection agency and explained to them I am out of work and if they can work with me by reducing the payoff and told them Im unemployed and need my equity but they will not budge and do not care that I need the money to survive since I do not have a job and have no money in the bank. Is there anything I can do to get them to reduce the payoff? And my house is about to close and if I cant get any answers can I go after them after my house closes and pay them off even though I dont agree with their terms? Please let me know, Thank you, XXXX XXXX
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Home Mortgage has illegally retained the surplus in my escrow account the past three years. They use bogus escrow review analyses to estimate that my account will have a shortage, while in each of the last three years ( every year since the inception of my loan ), the actual data reveals a surplus. Per RESPA, Wells Fargo is required to pay out this surplus within 30 days, however since their erroneous analysis estimates a shortage, they don't pay. For three years, my surplus has sat in Wells Fargo 's coffers, in direct violation of RESPA. 

I have contacted Wells Fargo about this problem each of the past three years, but nothing has been done. 

I have attached a four page summary of my findings, complete with dates, amounts, etc. 

If you need any additional information, please don't hesitate to contact me personally, I am happy to scan in any documents that you request.
Consumer complaint received 2024-03-13
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : UNKNOWN THIS 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-28
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: FIRST NATIONAL BANK OF OMAHA (UT)

On XX/XX/23 a XXXX XXXX XXXX credit card managed by FNBO was opened in my name. Around that same time my email was being used to sign up for multiple newsletters. I reached out to FNBO on XX/XX/23 and they helped me to close the account. FNBO was unable to verify if any charges occurred on the account.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-03-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXXXXXX XXXX Account number XXXX, Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number 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 an 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 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE XXXX ACCOUNT NO : XXXX TRANSUNION XXXX XXXX XXXX XXXX   XXXX I had XXXX XXXX XX/XX/2019 to XX/XX/2019. For one month charged {$130.00} including deposit.

I Paid as follows : PROOF OF PYMT ATTACHED XX/XX/19 {$50.00} DEPOSIT XX/XX/XXXX {$70.00} XX/XX/19 {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay and XX/XX/XXXX I ported the phone over closed the account there was a balance of {$50.00} which I paid IN THE STORE and closed account. I never received a bill and was never able to access bills on line. 

INCORRECT INFORMATION -- a COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a zero balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached.

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/2019 NOT COMPLIANT WITH FTC or FCRA
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : Innovis and XXXXAttached you will find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every one of these XXXX accounts. You should read this Complaint as if they are addressed to Innovis and XXXX requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX XXXX XXXX cases as XXXXt against XXXX  XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXXXXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially False Data in violation of the CFPBs XX/XX/XXXX advisory by CFPB Director Rohit Chopra . Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I recieved a phone call from XXXX  XXXX XXXX XXXX asking if I was the wife of XXXX XXXX. I asked who was calling they repeated there Company name, then proceeded to tell me his date of birth and that they were a debt collection agency calling me in regards to a debt that he incurred before we started dating that I had no idea about. Then asked me how was I going to handle the debt by making a payment. Not only did they give out his date of birth to me, they told me about his debt, how much it was and what Credit Card it was for and the year he took it out. I explained that what they did was wrong, they can not call me giving out his personal information and debt information without any real verification of whome I really was, about a debt he had before we even started dating that i knew nothing about, especially when he also has a family member with the same name as mine. They proceeded to argue that what they were doing was OK, and if I had said I wasn't who I am they wouldn't have given me all his personal and debt information. I then asked to speak to a supervisor who also decided to argue with me, I asked for their consumer hotline and he gives me a phone number to customer service for complaints. I call the number given and the person who answers immediately asked for XXXX XXXX. Even though I called them, and from my phone as if they rerouted the call back into the same office, so I asked the representative why he would ask to speak to XXXX XXXX if I called them at a number provided. He responded by asking how he can help me. I don't know what this company is doing, but this can't be legal.
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 Capital One Credit cards. Now I only 1 card being reporting to all 3 but the other card is still missing being reported to XXXX. 

Capital One XXXX XXXX Acct # XXXX is not being reported to XXXX. 

Please lets get this taken cared. The one card not being reported to XXXX is throwing my XXXX XXXX. % off record. 

I have attached both my Capital One Credit cards for your records. 

XXXX XXXX : Acct # XXXX needs to report to XXXX. 
XXXX XXXX Acct # XXXX ALL GOOD.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

In XX/XX/2022, I received a Writ of Execution ( money judgment ) and a Notice of Levy Execution ( money judgement ) legal document in the mail. I was not aware I owed any debt yet I received legal documents from Midland Funding Attorneys. I didnt know what to do at all until I did some research and found that I was supposed to be given a notice of debt before hand with option to dispute. I was never sent any notice of debt from Midland Funding or XXXX XXXX XXXX so I was not given a fair chance to fight this. This debt is not mine I need to be able to dispute it and prove I never had this XXXX  XXXX XXXX XXXX. This levy is saying they will garnish any wages I get even though I do not owe this debt and wasnt given an option to dispute.
Consumer complaint received 2022-11-30
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)

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.