davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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. (PA)

I the consumer did not consent too, nor authorize these inquiries on my transunion consumer report : 1. XXXX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX, XXXX  XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX Transunion did not have my permissible consent to share my consumer report with these companies. Everything is electronic I did not give them my written consent to share my consumer report with any corporation per section 1681n ( b ) which makes Transunion civilly liable. Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( b ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681n ( b ) I the consumer am appalled to fact that XXXX violated the laws and humiliated me to those corporations and I demand remedy {$1000.00} per inquiry 15USC 1681n ( B ) and {$1000.00} for the violation via Check Per section 15 USC1681n ( A ) .I would greatly appreciate a response from you within 30 days.
Consumer complaint received 2022-11-01
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. (AR)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.
Consumer complaint received 2021-10-09
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. (MN)

Transunion was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by 77 points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. Transunion needs to act immediately and remove the negative mark on my credit file and my husbands.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (MA)

The following account could not be verified or validated by Synchrony Bank/Amazon.com store card. All information including SSN, Address, DOB and account numbers were provide in the request.

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Background - Mortgage bought out by Mr Cooper. 

Issues - 1. On App -- Payment that was rejected shows payment accepted after. {$1300.00} Both Payments have date timestamps only and no Hour / Minute -- I believed the payment was fine given the Rejected payment was shown before the payment made leading me to believe that it was rejected, and then paid by my wife when she said she tried to fix the issue.

2. The app does not show my total balance owed, it only showed how much I needed to pay for my next payment. I believed I owed no debt resultant of this and had enrolled in auto pay.

3. Mr Cooper made no attempt to collect the debt from me, I found out about the amount owed when I had lost 73 points of credit from one report from Mr Cooper effectively destroying my otherwise ~XXXX credit score. 

I feel this is not ethical, I have an app, an email, phone number, mailing address all registered... I would not feel cheated had there been any attempt to collect debt before reporting.
Consumer complaint received 2021-10-09
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. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-09
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: Fidelity National Information Services, Inc. (FNIS) (GA)

FRAUDULENT HARD INQUIRIES ON CHEXSYSTEM REPORT NOT INITIATED BY CONSUMER FROM XX/XX/XXXX ON XX/XX/2021 AND ON XX/XX/2121
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (NY)

This is related to my previous complaint case number XXXX. See enclosed file upload. I have since titled my XXXX XXXX XXXX in XXXX and subsequently notified the Ford credit company representative, but the Ford credit company has yet to send them the electronic lien release, according to the XXXX DMV title bureau., as they agreed to do.
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AL)

Alleged Debt account number with Rent Recovery Solutions # XXXX I have tried to no avail over the last 3 years to have this debt removed from my credit report. I have practically begged this company to remove it and they just ignored me. 

Their only response has been if I am a victim of identity theft provide a police report and they will remove it. 

I even complained with the CFPB last year I will provide the complaint number at the end of this file. 

Last year I did not know my rights ; this year I do because I studied the Code of Federal Regulations. 

I affirm that I am a Natural Person and a Consumer.

I affirm that Rent Recovery Solutions has not provided Proof of Contract.

In the evidence I provide I show exactly which Laws they have broken.

I affirm each law that they broke point for point in my Affidavit of Truth that I have provided as evidence. 

I have sent all this evidence to Rent Recovery Solutions and I am currently in step 2 of an Administrative Process. Again I am contacting the CFPB because I know when I file a lawsuit the administrator Or Judge will ask how I have tried to reconcile this matter. 

I am exhausting all avenues of remedy, court is my last resort. After step three in this Administrative Process I will have a valuable claim. 

First and foremost Rent Recovery Solutions, llc has violated my 4th admendment rights.

I have the exhibits as proof. Rent Recovery has violated 15 usc 1692 j ( a ) they are using abusive and deceptive debt collection practices by reporting inaccurate information on my XXXX Report and has been reporting it for three years.

My main bone that I have to pick is Rent Recovery Solution, llc 's violation of 15 USC 1681 s ( 2 ) ( b ) ( i ) ( ii ). They are reporting inaccurate information on my Consumer Credit Report but they never verified by providing a proof of contract which I asked for several times.

I will be suing for Title 15 violations as well as damages. The amount I plan to sue for based on violations is {$340000.00}. I have attached the bill of particulars that I sent to them as well. 
My original complaint number with the CFPB from last year is XXXX submitted on XX/XX/XXXX of last year.
Consumer complaint received 2021-10-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

That XXXX XXXX placed an encumbrance on the real property by means of an attorneys lien for {$20000.00} in damages for supposed attorney 's fees in arrears. XXXX XXXX, XXXX at XXXX and XXXX XXXX, issued me a Deed of Trust with a note in exchange for equitable title to the real property located on XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX.
Consumer complaint received 2021-10-09
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: CCS Financial Services, Inc. (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 XXXX XXXX XXXX. I have already disputed both accounts and XXXX XXXX # XXXX was removed and reinserted back on my credit report which is illegal.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

So many issues. The XXXX Georgia branch is so prejudice. Every time I walk in that branch the answer is NO. They hold my dads deposits for two weeks at a time.My father has had an account with them since XXXX  and he told me he refuses to use that account because of the way he is treated. They have refused to provide me with a debit card, with my Tennessee Drivers license I opened the account with. I am XXXX  and every single employee is XXXX. Not one single XXXX  employee. It has made it impossible to bank with them.
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of American failed to properly process the forgiveness amount for my PPP loan in the amount of {$17000.00}. I submitted the appropriate documentation multiple times, however Bank of America would lose it and would miscalculate. Attempts to remedy and contact Bank of America would only be answered once a month, at best, when new information was submitted. They undercalculated my forgiveness amount. Additionally, when I asked for an extended repayment plan, which is a federal regulation, they did not respond to my requests. No communications have been received and they are difficult to reach when requested involving my PPP loan forgiveness.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2021 I had an alert come up on my phone to ask if I will authorize a transaction. I said no, and it went through. I have proof with a picture that I said no. 
I talked to them on XX/XX/XXXX, and a few times before that. They told me that its not always full proof. So now I dont know what to do.
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (OH)

I have sent a letter in for this company and they did not do any investigation and I've sent a letter out twice already and did not get any response and it's been over 3 months now. The dates I've sent these letters out were XX/XX/21 and XX/XX/21. I did not grant these companies authorization. I will attach the files with the inquiries for the investigation.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

I pay the balance of my Chase Bank XXXX XXXX credit card ending in XXXX online each month. A small balance was due on XX/XX/XXXX. On XXXX XXXX I attempted to sign-in to my account to initiate the payment but was blocked by a message that my computer was not recognized. Apparently, when I recently reinstalled XXXX on this 3 year old computer that made it appear to be a different device. 

The Chase security program asked for a cell phone number to text or call me with a so called verification code. The code would reauthorize my account and allow me access. Another option for Chase was to email me the code but there was no place to enter my email address. In desperation I called the telephone number for customer service. The customer representative said I could not be verified without a call or text to a cell phone. It made no difference when I mentioned my cell was damaged and had not yet been repaired. So I asked for a call to the landline at my residence but was rebuffed. " We can't do that, '' she said. 

I mentioned that my balance was due in 2 days and I wanted to pay timely to avoid a late charge. The customer service rep said she would have another person in security call me within 48 hours. I did not receive a call on my landline from Chase. I was forced to use the bill pay feature of my checking account at another bank to pay the balance. 

I tried to access my credit card account today and encountered the same situation. I would like to be able to access my account in case there is ever a need to dispute a charge. Currently, I have no access and Chase has done nothing to assist me. Other institutions do not require a cell phone to bank with them. For verification they ask for answers to security questions the customer has selected and provided the answers. Why Chase could not follow suit, since they have security questions for me and the answers on record, is ridiculous and unfair to the customer. Not everyone wants or needs an expensive cell phone or the ability to send text messages. I'm XXXX and living on a fixed income. Please help.
Consumer complaint received 2021-10-09
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. (NE)

Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NJ)

I was a discover card member for over 20 years until my home was visited by four unidentified women threatening to force their way in, making threats they have me and my family social security number snd planned to end us. After discovering the identity of one party it was discovered her relative works at Discover bank based on her social media page. An inquiry was made to discover if my account had been accessed recently snd if they could investigate if it has been accessed digitally by employee XXXX XXXX XXXX previously known as XXXX XXXX. They gave me the run around telling me privacy is their priority and they cant help but no charges were made to my account. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX Never read a response So I cancelled my card in XX/XX/XXXX. 
Yesterday XX/XX/XXXX I accessed my online credit report and noticed an inquiry made in XX/XX/XXXX by Discover. If my card was closed in XXXX how could they do an inquiry? 
I called Discover to pose that vary question and was hung up on So I wrote to the emails listed above and await a response
Consumer complaint received 2021-10-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (WI)

ORIGINAL CASE XXXX WHY IS THIS STILL ON MY CREDIT REPORT. THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX. AGAIN I ASK WHY IS WF & XXXX ENTERING REMARKS ON AN ARCHIVED ACCOUNT. DO NOT MAIL ME YOUR FINDINGS. I WANT EMAIL ONLY AND YOUR RESULTS OF THE INVESTIGATION UPLOADED ON THE CFPB. I TRIED DISPUTING DIRECTLY ON XXXX AND WOULD NOT LET ME.