davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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. (SC)

XXXX, XXXX 2022 I am requesting a FREEZE on my Transunion credit report. 

I requested a FREEZE but I have not recieved any documentation from Transunion confirming the freeze. 

I am also requesting to OPT-OUT of Transunions credit reporting services.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I had a Bank of America credit card for a few years. At the beginning of 2020, due to XXXX, I fell a few months behind on my payments. Bank of America offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted bank of america and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, Bank of America continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as BofA 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
Bank of America gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for BofA have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-14
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)

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NY)

Vehicle was total damaged in an automobile accident on XXXX/XXXX/20 {$1000.00} deductible was paid in full after receiving notification 60 days later. 
Ally reported as a write off to XXXX XXXX XXXX credit agencies when it should be notated as paid off in full. To this date Ally refuses to change status with these agencies causing a blemished credit report.
Consumer complaint received 2021-11-24
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 submitted my FTC fraud report, FTC report # XXXX to Transunion on XXXX XXXX, 2021. I called Transunion on Monday XXXX XXXX2021.On that day, I spoke with XXXX XXXX XXXX a fraud department employee of Transunion.I asked him did his company receive my FTC Report XXXX He confirmed they did receive it. I then stated that pursuant to 15 USC 1681 C-2a, once the report was received by Transunion, the fraud thats on my credit report has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, he told me they have 30 days to remove it. I stated the law again and requested to have the fraud removed, He once again denied my Demand after again giving me confirmation of the receiving of the report of the fraudulent account from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2a - Block of information resulting from identity theft U.S. Code Notes, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (PA)

Hi On XXXX/XXXX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I want to make a complaint with Bank of America and with I guess with your company as well. I report a few claims of Fraud with my checking account with Bank of America because I have identity theft reported on my credit store. There is a address and name that is on my credit report that I dont recognize and Im having issues with fraud on my checking account. I guarantee that these too issues are related and this person is using my account and stealing my funds and Bank of America is saying that they are not paying the claims. I already reported this to your company and I received a email stating that I needed to call and confirm some information which I did and left a few messages and I have not heard anything back. This is beyond frustrating because this person was using my account and taking my money and theres nothing being done about it and they are getting away with it. I attached files on my last report so they should be on file. Please reply back to me as soon as you can it would be greatly appreciated. Thank you.
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (PA)

To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XXXX/XXXX/2021 until this date, it's been over a month but I never received any letter or notification from your company.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX and XXXX, I got text messages from XXXX XXXX XXXX saying my monthly cell phone service could not be renewed. My monthly cell phone bill has been charged to my navy federal XXXX credit card every month for XXXX years without an issue. When I called XXXX XXXX XXXX on XX/XX/XXXX, I was told my bank had declined the charge. COMPLETELY UNACCEPTABLE!!! I sent an email to navy federal demanding to know why they would refuse a legitimate charge that had been recurring for XXXX  years and explained that instead of continuing my monthly charge on my XXXX, I switched to my XXXX  card. The incompetent navy federal employee who responded without providing their name of course said that an authorization code was required and he/she was happy I was able to use my XXXX card to make the charge. The incompetent employee of course completely missed all the points of my complaint starting with the fact that I should not have had to switch credit cards and should be allowed to use whichever one I want especially since I pay my balance in full, on time every month even when navy federal says my minimum payment is only {$20.00} or {$0.00} I still pay the balance in full and I am nowhere near my credit limit!!!! There was also no explanation as to why my XXXX card would suddenly require an authorization code for a charge that had already been recurring for 48 months!!!!! Navy federal doesn't seem to care about how embarrassing it is to have a perfectly valid credit card be declined for a legitimate recurring charge!!!! COMPLETELY UNACCEPTABLE!!! This is also my only phone service and my only means of communication and I was about to lose my phone access because of navy federal 's complete incompetence. I also asked in the email for confirmation that nothing like this would ever happen again but the completely incompetent employees refused to provide such confirmation. Even when I do EVERYTHING right and pay my credit card bills on time and in full, navy federal still manages to find a way to completely XXXX me over without any regard to my rights!!!! I need to speak to someone with a first and last name who will sincerely apologize for the problem ( although I probably won't believe them ), explain why navy federal denied the legitimate charge, what is being done to prevent this from ever happening again, and explain why navy federal is continuously looking for ways to XXXX me over and make my life XXXX unnecessarily!!!!
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

this is about Experian credit report scores that are different when scores are accessed from two different sources. I pay for a credit monitoring thru my bank, I received an alert and check on it at approximately XXXX XXXX XXXX XX/XX/2021 It showed an excellent rating of 780+ from Experian. I also got an alert from Experian, I check on the score about 3 minutes later and it showed a good rating of 720+. How can these numbers be so different. when the same agency is being used to check the scores within 3 minutes of thing to check scores. It appears when I access the Experian website it wants to sell me something to boost my score, and if I purchase one of the products my score will be boosted. This tells me that Experian than manipulate the scores at will. Lowballing your score so you buy one of their products.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Hello I have been trying to get a bankruptcy off my credit report with Equifax and the refuse to remove this item, this matter is affecting as far as applying for credit this haves been going for 90 days .I have in send in all documents from XXXX XXXX, and Bankruptcy  court and my own request letter. They are the only company with this fraudulent information and this is against consumer rights. And as far as XXXX they refused to remove fraudulent inquiries.
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (PA)

Hi On XX/XX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly
Consumer complaint received 2021-11-24
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. (FL)

XXXX XXXX, 2021 I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in 2000. 

XXXX XXXX, 2021 someone applied for a XXXX XXXX XXXX  credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX  credit. I called XXXX XXXX XXXX and was informed that on XXXX XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.
Consumer complaint received 2021-11-24
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)

XX/XX/XXXX I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in XXXX. 

XX/XX/XXXX someone applied for a XXXX  XXXX XXXX credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within XXXX weeks time. 

Since I had not applied for a XXXX credit. I called XXXX XXXX XXXX and was informed that on XX/XX/XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXXXXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.
Consumer complaint received 2021-11-24
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: CrossCountry Mortgage LLC (AZ)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

My husband and I paid off this mortgage a month ago. 
We received our escrow refund check in the mail yesterday, but no documents where included with it. 
Today I had to contact NationStar to specifically request the lien release, escrow statement, and final mortgage statement. 
They e-mailed the lien release and escrow statement but they refused to provide us with our final mortgage statement that shows principal paid, interest paid, and final balance of zero. 

I need that mortgage statement for my records. I am entitled to it. 
What are they hiding?
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems is reporting collections to both XXXX XXXX XXXX accounts in the amount of {$1000.00}. I have requested validation of debt multiple times and have not received anything as of date. The most recent debt validation letter was sent to Southwest Credit Systems via certified mail on XX/XX/2023 to obtain more information.
Consumer complaint received 2022-10-02
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. (MD)

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
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I switched payor accounts for one of my Capital One credit card accounts. My credit union gave me the incorrect account number to use for my checking account. The payment was returned due to the incorrect account number. After speaking with Capital One, I was reminded that this happened once before in XXXX of XXXX, same situation. I hadn't remembered this but when reminded I do recall. It never seemed like a big deal at the time nor did they alert me that this was a big deal. It was an error at the credit and I wasn't even past due. I figured, no harm, no foul, fix it and move on which I did at the time. 

Well after this recent mixup on XX/XX/XXXX, Capital One closed the account due to too many bank returns. I spoke to XXXX and Customer Service Leader XXXX at the XXXX offices who both told me there is nothing that can be done. They have no grace period or process to correct a simple error. On top of that they closed my other account with them and again, have no process to reverse this action other than the advice they gave me to just open another account. Again, both accounts have ALWAYS been up to date and paid as agreed. 

Well the BIG problem here is I am rebuilding my credit and the fact is that two closed credit card accounts are going to have a negative affect on my credit. Applying for new cards will negatively affect me as well and I am not sure I would even qualify. 

My complaint is that Capital One can single handedly with no regard or recourse for a consumer, are allowed to make decisions that will have such a negative affect on a consumer. With that said, I am sure in their " fine print '' I would find that they can do whatever they want whenever they want but the bottom line is this, what that did to me is unethical and will cause me harm. The harm is that my credit rating is going to take a hit costing me more money. I most likely will have a difficult time getting another card and all of my direct pay accounts attached to this card are going to be useless causing me further hardship as I have lost a necessary tool to manage my cash flow needs. 

In my opinion, consumers need protection from this type of unfair business practice.