davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
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. (NJ)

A fraud restriction was placed on the XXXX  XXXX account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. XXXX was notified to note that no access to statement and pay information could result in negative outcomes
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-11-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Ive been a XXXX XXXX XXXX XXXXXXXX for over XXXX years & this is the second time Ive had to file a complaint to get an issue resolved. One would think that they would value their customers more. On XX/XX/2021 I allowed my wife to use my credit card in the amount of {$5000.00} as a downpayment towards legal services with a company by the name of XXXX XXXX XXXX. The total amount due was $ XXXX that would be made in increments. She made an initial payment of $ XXXX and then another $ XXXX on XXXX the XXXX 2021. Payment would consist of services pertaining to tax restoration, tax filing, trust setup, legal documents & legal assistance. Once my wife got a court date the dynamics of the deal took a turn. We have come to find out these people are fraud and are not able to deliver on any of the above. The group consisted of XXXX individuals. XXXX XXXX ( first contact ) was suppose to handle tax affairs. Her spouse XXXX XXXX was suppose to handle the trust. XXXX XXXX XXXX were suppose to handle legal affairs. XXXX informed me that she recently met the others and to stop paying because they were fraud and were not going to deliver on services paid for. I have attached a thread of text messages. No services have been rendered what so ever. These people are fraud and according to XXXX use XXXX they are in violation of liability for misleading statements and XXXX XXXX XXXX is in violation of XXXX usc XXXX. I would like my fund returned to me immediately. XXXX XXXX XXXX just decided to rule in favor of the crooks, they never even asked me for any proof. case number XXXX
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2018-02-27
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. (PA)

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NY)

I fell behind on my mortgage some time ago but have been paying each month I submitted paperwork i received in XXXX regarding past due balance. on XX/XX/XXXX I paid {$1000.00} and was notified it was rejected by shellpoint I also had a full months payment which is already scheduled for XX/XX/XXXX for {$2100.00}. I filed a previous complaint here when payment was rejected and emailed shellpoint loss mitigation about the rejected payment and my upcoming payments i also informed them about the paperwork i mailed to them. I then received a summons served to my son in law today that was not filed until XX/XX/XXXX which was after they rejected my payment. that rejected payment put my account at 120 days which i have made sure to not do. the funds were sent to them on XX/XX/XXXX and another full month is to be paid XX/XX/XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

Yes in XXXX XXXX why did the end of the year before it turned XXXX the bank decided you still XXXX from me XXXX and they said it was there then they said it wasn't they act like it was a charge they argued over the phone the girl was very XXXX  that saying it was never there there was a computer XXXX watch the person that deposited it or sent it said it wasn't I'd like to get my money back and any other transactions that I haven't authorized back I noticed their account information on my account since you XXXX change or very supplementary very low it makes funny noises when I call like beeps buzzing things like that I really like to get my cash back I've had a really hard time it's really bad the guys on the social security and they steal cash from them you know so I'm trying to get my money back like trying
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I sent Chrysler Capital a billing error notice ( see attached green receipt ) and they received it on XXXX. I sent it to the billing error department, Registered XXXX and XXXX XXXX XXXX. I, the consumer have the right to obtain clarification, including DOCUMENTARY EVIDENCE Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). DOCUMENTARY EVIDENCE in accordance with 15 U.S.C XXXX for the books of accounts AS DESCRIBED in IRS PUBLICATION XXXX, ( which includes journals and credits of accounts, ledger, debits of accounts to verify the current accounting and taxes associated with this account BOTH PRIVATE AND PUBLIC ) WHICH XXXX HAS FAILED TO DO. Pursuant to RULES PENDING RESOLUTION 12 CFR 1026.13 ( d ) ( 1 ) ( XXXX ) ( XXXX ) XXXXr may not try to collect any disputed amount nor take adverse action directly or indirectly, reporting to any person about I, the consumer 's credit standing without XXXX resolving the billing error. Failure to comply mat be subject to forfeiture under 15 U.S.C 1666 ( e ). XXXX has responded, and by their own admission sent documentation, which is the lease agreement and payment history. WHICH IS NOT DOCUMENTARY EVIDENCE Pursuant to FEDERAL LAW and my right as a consumer. Please note the lease agreement file is too large to upload.
Consumer complaint received 2021-11-22
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: Global Lending Services LLC (OH)

This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2023-12-28
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: REMAX (PA)

In XX/XX/2021, I have contacted REMAX to connect me with an Agent to buy a condo in the XXXX XXXX. Relax provided me an Agent by the name of XXXX XXXX and ensured me that the transaction is legitimate. Throughout the process I have suspected that some information is not really accurate and the Agent has been able to provide adequate information to me. I was required to sign a lot of documents to buy the property. I also told by XXXX XXXX that I had to wait until the construction company finish building the property so I could finalize the deal with. I have waited for a so long and nothing happened ; I finally received notification from XXXX stating that the condo is done and I need to apply for the mortgage. the price of the condo was {$69000.00} and I put down a deposit of {$14000.00}. the Bank that XXXX referred me to so I could purchase the long is charging me triple the rate to inquire the loan. I suspect that there fraudulent activities and SCAMs going on in the process I have decided that I would NOT pursue the condo and request my FULL deposit back. a lot of my colleagues are doing the same. I have tried calling, emailing, sending text Message to the XXXX XXXX XXXX, she does not return my calls and ignore all communications. Her office address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX her number is XXXX
Consumer complaint received 2021-11-22
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. (NY)

Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. DISCOVER FIN SVCS violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, XXXX, Transunion ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.
Consumer complaint received 2019-12-03
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2019-12-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I got an loan from cash net USA in XX/XX/2019 for {$530.00}. After calling the company about how long it would take to pay off the loan they could not give me a definite answer. Also I noticed that every month my payment would be more than the last payment. Even though I am a senior citizen and have a XXXX  XXXX it strikes me that cash net USA is practicing in good faith. I can not pay for this bill that seems to follow me to my grave! I'm not sure what to do at this point. Please help me with this matter. Thank you.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX is reporting this account as open and delinquent but this account is closed. It is known owned by a debt collector named XXXX which I am working with on this collection. XXXX is inaccurately reporting information. They are reporting my account as currently delinquent as of XX/XX/. A payment can not resolve because I dont owe a payment to them. XXXX  has owned this account since XXXXXXXX XXXX XXXX  therefore any reporting after said date should be considered inaccurate and a violation of FCRA requirements.
Consumer complaint received 2021-09-26
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: CITIBANK, N.A. (IL)

I filed a complaint against Citibank on XX/XX/XXXX regarding fraudulent charges. I was awarded a monetary relief by CFPB and received it initially but then was recharged for some of these purchases but not all despite them being found as fraud. I was recharged on XX/XX/XXXX to a total of {$4200.00} despite receiving a letter on XX/XX/XXXX stating that they had credited me permanently.
Consumer complaint received 2021-11-22
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. (NC)

TransUnion shows that I have XXXX accounts with a delinquent status, but at most I have XXXX accounts that are delinquent. I suspect that XXXX XXXX is incorrectly reporting a closed student loan account as currently being 60 days delinquent, but TransUnion will not assist me in resolving the error.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  has violated a few consumers laws in regards to my credit report. I have asked XXXX XXXX  to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their system. I am currently carrying my first child and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Consumer complaint received 2019-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

My name is XXXX XXXX I have been garnished by a company by the name of Midland Funding LLC in the amount of 25 % of all income that been pay to me by my employer, starting XX/XX/XXXX that stated by my employer, I have no such account with this company when reach out to them they told me that they brought this loan from a company that is no long in business. I was told that the company that they brought the loan from in XX/XX/XXXX has send me information in XX/XX/XXXX which I did not received. The amount in question is {$6200.00} so I am asking CFBP to stop that garnish from been affective and also refund any money that has been pay out to them before my case is completed and also notified all credit bureaus of changes to my credit report.
Consumer complaint received 2019-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After reviewing my credit report I noticed a collection account from Portfolio Recovery Associates whom I have never heard of nor have I done business with. I disputed the account to the credit bureaus and to PRA. They mailed me copies of two statements from XXXX XXXX. ( I am attaching everything they mailed to me. ) They did not include anything showing they can legally collect money from me on behalf of XXXX XXXX. I feel like they should have to prove to me they are the proper ones to pay. If I were to pay it I would want to know absolutely sure that I was paying the correct party. I fear this could be a fraudulent claim to squeeze money from me that is not really owed to them. What if I pay them and then XXXX comes back later and said I should have paid them? I don't have the money to pay this thing twice. Honestly, I am not even completely convinced the account is even mine. I don't want any trouble. I just want them to get their act together.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I was declined credit from XXXX XXXX for erroneous reasons. My credit score is high and I have no credit problems. After receiving a denial letter I tried to get a copy of my credit report and was put in circles by Equifax to receive a copy of my credit report. 

It seems this system was designed to create a problem so the consumer would go away. 

This is unfair and the only recourse we as consumers have is you. PLEASE institute programs that provide EASY access for consumers. These credit companies are NOT consumer oriented and that needs to change PLEASE protect the consumer
Consumer complaint received 2023-03-15
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. (FL)

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for Transunion. The account i'd like to self-report is with Florida XXXX and XXXX company, account number XXXX which i have shown positive payments. This account is reflecting on my experian report but not currently reporting on my transunion or XXXX reports.
Consumer complaint received 2023-03-15
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. (LA)

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate
Consumer complaint received 2023-03-15
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. (NY)

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXX Ct XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (IN)

I was charged a {$99.00} annual fee on my statement closing on XX/XX/2021, even though XXXX stopped charging the fee later that year. They did not credit my account or offer a refund. XXXX also changed their terms for the cash back offered on their card in the middle of the year. XXXX dropped the cash back reward from 2.5 % to 1.5 %.