davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (MO)

I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I previously submitted last XX/XX/XXXX. This is my NUMEROUS request to remove the fraudulent items from my Credit File and trying to inform the Credit Bureaus that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following fraudulent items completely from my Credit file as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX have 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 States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report 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 2022-11-12
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. (MO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-12
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. (MO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

I have both Savings and Certificate of Deposit products at Ally. I was unable to obtain the Truth in Savings disclosure and my Account Agreement through Ally 's website. The disclosure information for the deposit products specifically was what I wanted to obtain but I also did not see disclosures readily available for lending products either. 

I did reach out to Ally via chat and also placed a call to request their TISA disclosures. When I contacted via phone, the representative placed me on hold and when she retuned she advised that they did not have any disclosures. I advised that I was certain that they have some kind of disclosure for deposit products and described the type of content that would be in a TISA disclosure. I was placed on a hold again, when she returned again, the representative advised I should look at my welcome packet. I asked if she would be able to provide a copy and was placed on a hold again. After a while the representative was able to email me a copy but on the phone she told me it would take up to 5 business days to receive an email. I am not sure if that was a scripted responses but I think it is unreasonable to say it could take 5 business days to receive a copy of the requested disclosure when its being emailed. As of the time I am writing this response, I have not yet received the disclosure ( written day of request ). 

My concern is that the disclosures required under TISA are not readily available for consumer like myself. Because Ally is a digital only FI, I can not go into a branch to obtain disclosures, I believe this information should be readily available on their website.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i have contacted the chairman office of citizen name XXXX and he never returned back my call i have exhausted all my options and i need help now i dont want to sue the bank but if i dont have choice i will sue them for taking so long ... ... ......
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. KOHLS/XXXX XXXX XXXX.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Creditor contacted XX/XX/2022. Amount listed owed on credit report is the wrong amount ; entered into an agreement on a lower amount with two payments made in XX/XX/2022 ( {$49.00} and {$50.00} ). Current balance is {$590.00}
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-11-12
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

For the last two years XXXX XXXX has tried to charge me for goods I did not order. XXXX sold the bad account to Midland Credit. the Manager of the company stated that I owe XXXX. The rep got up set because I told him that I have a XXXX account and it is active with a balance of XXXX. 

I told him the account he was speaking on was not mind. the manager then told me while he was mad at me that I was a fraud and he was going to report me and put it on my credit report. in addition he stated I'm going to have you investigated right away and sue you after he took it off recording. While off being recorded he said I will pay for this and i wouldn't hear from him anymore. I asked him prove I had or owned this account. 

on XX/XX/2022 I received a XXXX letter from that manager threating me that he was going to get a lawyer and sue me. I have proved several times and have provided my XXXX XXXXt open account number of my real account. but they keep putting this on my credit report.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Hello, I was looking to refinance, and I went with Wells Fargo as my refinance bank. I paid {$500.00} for the upfront cost to get my application started. 

They called me back a few weeks later saying my refinance application was denied, offering no other alternatives or options for me. I requested additional information as to why I was rejected but they were not as helpful.
Consumer complaint received 2022-11-12
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-01-21
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: ERC (GA)

This letter is regarding account # XXXX, which you claim I owe {$870.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-12
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00}
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

I purchased a XXXX XXXX XXXXXXXX from XXXX XXXX XXXX XXXX on XX/XX/2023. TD Auto provided financing and is listed on my contract. Today, XX/XX/2023, marks almost XXXX weeks from that date and TD Auto has not funded my loan. I talked to the dealership on XX/XX/2023 and was advised that TD Auto signed for my contract on XX/XX/2023 and has agreed to fund within 3 days. Again, today marks almost XXXX weeks and the loan still hasnt funded. Ive called TD Auto twice and was advised they can not help me and the dealership advised they have contacted TD Auto multiple times without a response. XXXX currently in possession of and driving a vehicle without any legal ownership, while my previous loan with a separate lender is nearing delinquency due to delayed funding of the new loan which prevents the previous lender being paid off. I also have a hard inquiry from TD Auto and no loan. The delay in funding also prevents me from making payments and could potentially run me to be delinquent on the new loan with no repercussions from TD Auto.
Consumer complaint received 2022-11-12
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX XXXX  XXXX Balance XXXX : {$460.00}
Consumer complaint received 2022-09-14
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. (MD)

I never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

The Company, Wakefield and Associates, Purchased a debt from another company and I had no involvement with the transaction. I received no benefits. According to 15 USC 3002 I am an Natural Woman which means my name XXXX XXXX is not me. My name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

I have reasonable cause to believe that Wakefield and Associates is using my nonpublic private information to bring harm to me. You have violated my rights and privacy pursuant to 15 U.S. Code 1681 ( a ) and 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/2022, I contacted Specialized Loan Servicing to inquire about the current principal balance on my account. This company refuses to send out monthly, quarterly, or even annual statements to me ( the customer ) even at the request of my bankruptcy attorney which is illegal. On XX/XX/2022, sent a complaint through CFPB for the same misconduct and requested a principal balance. Specialized Loan Servicing responded stating the principal balance as of XX/XX/2022, is {$4200.00}. In my conversation today requesting a principal balance payoff, the representative stated my principal balance is {$4200.00} as of XX/XX/2022. I stated to the Specialized Loan Servicing representative this was the principal balance amount back on XX/XX/2022, and ask why my monthly payments have not been applied to my account. Their representative said all payments have been applied and that is my current principal balance as of today 's date XX/XX/2022. 

This is an act of mortgage fraud and Specialized Loan Servicing is not applying all payment amounts toward the principal balance after deducting interest. They are holding additional monthly payment ( overage ) amounts into an Unapplied account not deducting ( overage ) from the principal balance which allows them to continue collecting interest payments on a ( false ) higher principal balance. Also, as of XX/XX/2022, Specialized Loan Servicing has not credited my account with any of the payments received as of XX/XX/2022 to XX/XX/2022. This is mortgage fraud!
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, 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