davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (IL)

XXXX/transunion/ XXXX have stated the bankruptcy court verified the bankruptcies on my account the bankruptcies court does not provide the credit reporting information to anybody I will upload my bankruptcy letter XXXX has lied and have violated my rights as a consumer I want bankruptcies removed and all inquiries removed immediately or I will file a lawsuits! XXXX has all approved removing everything from my credit file I have disputed! And also sent out letters to all XXXX credit bureaus to remove all disputed information off of my credit file! XXXX says they are not the credit reporting agency for any of these companies! Please remove all information off of my credit report!!!!!! Immediately
Consumer complaint received 2019-09-14
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. (FL)

I have disputed these collection items showing on my credit report before but then they keep reappearing. Experian is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. 
Prior Dispute Report # XXXX 1. XXXX XXXX XXXX acct XXXX for XXXX- XXXX XX/XX/2019 & XX/XX/19 Prior Dispute Report # XXXX 2. XXXX XXXX- # XXXX I have never lived in California , nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed Experian of in my initial dispute. 
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. 

I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im a consumer federal agent my client XXXX XXXX XXXX has been a victim of identity theft and he file disputes several times and still no result I dont need to remind you of your job In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization If you failed to respond within 30 days we will take legal actions because youre breaking big violations
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (MD)

In XXXX, my ex-wife and I had gotten a second mortgage with XXXX XXXX  on the house I currently live in for {$38000.00}. Around XXXX ( I don't remember the exact date ), that mortgage was transferred to XXXX. During the transfer, our payments were supposed to be put into an escrow account until the transfer was complete. Once it was complete, XXXX had no record of those payments or the account. After trying to work the issue out with XXXX, we contacted a federal agency for help. It might have been CFPB, but I don't recall. XXXX could not produce evidence that they had the right to collect any money from us and could not show that payments that were made were applied to the mortgage. We were advised to stop paying until they could produce proof. XXXX sued us and the case was dismissed without prejudice for lack of evidence. From that point on, nothing was done with that mortgage. Now I am trying to either refinance or sell this house to give my ex-wife her share of the equity. There is still a lien on the house from this mortgage in the amount of around {$46000.00}. This loan was transferred to XXXX in XXXX, which was then acquired by XXXX, and subsequent assets were transferred to New Residential Investment Corporation. Their servicer, Shellpoint Mortgage Servicing has sent a payoff letter to the title company I was working with for the refinance. I do not recall receiving any paperwork from XXXX, XXXX, or Shellpoint. I sent a loan validation request letter though certified mail, which they received XXXX of XX/XX/XXXX ( I have the return receipt ). In that letter I requested information be provided within 30 days. I waited that amount plus some additional considering it sometimes takes a while for the mail to arrive. On the XXXX of XX/XX/XXXX I sent a second request through email, attaching the original validation request letter, and asked for a response by today ( XXXX XX/XX/XXXX ). I have yet to hear back from them. My issue is that I do not want to pay any money to them if they can not verify they have the legal right to collect it. Also, and please correct me if I am wrong here, I believe that if they do not have the legal right to collect then they do not have the legal right to release the lien.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd. (CT)

Harris & Harris has sent multiple letters to home demanding I pay debt of unknown source. The letters each time contain a different amount owed, they have not verified that I owe this debt. I have received harassing phone calls multiple times a day at all hours of the day, lately phone calls have been coming in as early as XXXX.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX recently sent a pre-approved Platimum VISA card to my address in the name of " Mr. XXXX XXXX ''. This is not the first time that " Mr. XXXX '' has attempted to open accounts in his name at my address. This is not a mistake. It is clearly fraudulent. But XXXX XXXX XXXX   provides no reasonable way to contact them of clear this up. To me, that is a red flag. As far as I know, Mr. XXXX has not yet been successful in opening an account in his name at my address. But I feel sure that this us part of a financial scam, and it needs to be dealt with right away. Thank you.
Consumer complaint received 2024-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

1. company stated that i was late on a mortgage payment and i was charged fees for property inspection and a title search total fees charged extra was {$150.00}, call was made in XXXX regarding this charge, person on the phone stated that these where fees charged because i was late on a payment. i have not been late on a mortgage payment for past 2 years and would like the fees charged removed. 
2. i currently have a FHA loan with the same company and i am being charged a FHA loan insurance fee, currently our house is worth {$300000.00} but our loan amount is for {$130000.00}, we tried to work with the mortgage company to have this fee removed but they said that we had to do a new loan to have those charges removed - a new mortgage would cause a much higher interest rate and extremely high fees to complete a new mortgage charging us {$10000.00} in fees and charged to have the special FHA insurance removed. i always thought that the FHA insurance fee would be removed once we had a 20 % or higher loan to value. who is correct on this issue?
Consumer complaint received 2022-09-23
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. (VA)

XXXX XXXX XXXX was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Consumer complaint received 2022-04-16
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. (AL)

I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX and XXXX. 
I had spoke with him in XXXX Nordstroms credit card services. I called them to bring my account current and see what I can do and they said they were recording the call. I agreed to pay the next few months {$80.00} a month with them taking out on the first of every month directly from my bank account so I paid XXXX and XX/XX/XXXX payments of {$40.00} which is {$80.00} then XXXX they were supposed to deduct from my bank account {$80.00} dollars and they did not. I have called multiple times on these days especially over XXXX times and there is no help inside after hours on the phone waiting or holding and help. I need to know why they did not drop the money and why are they charging me fees when Im trying to get my account back current with a payment plan they said would help me get back on track.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened the account back on XX/XX/XXXX. I receive eight months zero APR my account is on auto pay, and I requested to receive a paper statement every month. 
first they fail to write every month on the statement for how long I have the zero APR second I told supervisor that I did not receive a paper statement for XXXX, XX/XX/XXXX and XX/XX/XXXX Had I receive the paper statement I have the opportunity to review and learn about my interest ending in the statement capital one fails to disclose on the statement for how long i have my zero APR, and also did not give me an opportunity to pay the balance in full before interest occurred I just wanted to mention that account is paid now in full and I owe them XXXX balance i want refund for the interest for XX/XX/XXXX {$100.00} and XX/XX/XXXX {$100.00} i attached a copy of my statement XX/XX/XXXX you can read and see is no interest disclosure
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (TX)

My Discover credit card is expired on XX/XX/2020. But I am not in USA these years. I just came back this week and want to recover my credit balance ( around {$800.00} more ). But Discover company told me that my credit card is already expired and they have not any records now. How can this big company lose these important records in only three more years?
Consumer complaint received 2022-10-11
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2022-10-17
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. (DE)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

We have been targeted by two collection agencies thus far -- XXXX and now ERC. XXXX began calling almost daily this past spring 2019 looking for someone with the same last name as ours, but who doesn't live at this address and never has. ( I thought they just had the wrong number at first when I heard their message on my voicemail. ) I've also had this same phone number for over 30 years so the person they were looking for never had this number before as they suggested. I complained to XXXX and they finally took me off their calling list in XX/XX/XXXX, but apparently this matter was simply transferred to another collection agency -- ERC -- who is now calling me too. ( I don't know if XXXX did this, but wouldn't be surprised. Are they all connected? ) I finally talked to an agent at ERC today, XX/XX/XXXX, and she said they would take my number off the list again. This is the second time. I fully expect a third collection agency to call me looking for the person they're trying to collect a debt from. I'd like to know how these agencies get away with telephone harassment of anyone, especially those who aren't even involved in the collection matter and are called simply for having the same last name. It's reprehensible. What are my options for dealing with this in the future? Can I file a complaint with the XXXX and FTC? Can you tell I'm pretty ticked off?
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Date : XX/XX/2024 Reference # XXXX Agent EID # XXXX I wanted to close my Capital One Checking account. There was only one way to close my account and it was through the phone. Where an agent picked up, she claimed they can not close my checking account unless I agree to additional terms and conditions, which I rejected. When I rejected to agree to the new terms and conditions, she claimed it was part of the terms & conditions when I first applied to the checking account. Therefore I can not close it. After viewing the original application Terms and Conditions, that was not true. When I asked the agent where in the clause this was mentioned, she refused to answer my question. Then kept repeating it is there in the XXXX & XXXX. Then she transferred me to her supervisor who claimed the same and put me on hold. When he finally answered, he said it is a general condition that I agree to when I open any account with Capital One. I asked him where it states that, and he was not able to provide the source. 
He said he will escalate the issue to the backend. However, it is unclear if and when they will be able to close my account.
Consumer complaint received 2023-03-06
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, Transunion and XXXX reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, Transunion and XXXX reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, Transunion and XXXX but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, Transunion and XXXX accounts immediately : * XXXX XXXX - XXXX on XX/XX/XXXX * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX BANK - Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, Transunion and XXXX is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2019-09-14
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. (TX)

Approximately 3 weeks ago I tried using my CITI card but it got declined? I called the company and was transferred to the Fraud department. Apparently some one had hacked into my card? I went over all the pending purchases with the representative to ascertain all my charges. There was only one fraud charge at a XXXX in XXXX, TX. A few days later my electrician called and said my payment had been denied for {$3000.00} and in addition he was charged {$150.00} in fees? I called the company talked to XXXX XXXX on XX/XX/XXXX. She informed me that 3 charges had been rejected by the fraud dept? {$150.00} to a restaurant and {$27.00} to a butcher and {$3000.00} to my electrician? She was going to look into it and call back. OnXX/XX/XXXXXX/XX/XXXX I messaged CITI online spoke to XXXX who suggested I contact the fraud dept. On XX/XX/XXXX I  called the fraud dept and was transferred to a lady in XXXX who advised me the charges would be reversed in 3 to 5 days. On XX/XX/XXXX I called CITI and requested to speak to a supervisor, nobody was available and I was told some one would call me back? No one did! On XX/XX/XXXX I called the fraud dept talked to XXXX # XXXX  he advised me the charges were NOT going to be paid and I had to call customer service about the {$150.00} fee charged to my electrician? On XX/XX/XXXX I talked to XXXX a supervisor and was told it could take 45 days to pay the electrician? I reside in Texas its in the high 90s and the electrician who was installing a new unit refuses to come out till he gets paid in full as the {$3000.00} was only a half payment down. PLEASE HELP!