davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
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. (TX)

I was notified and sueing XXXX because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about XXXX times now XXXX has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and Transunion and XXXX and XXXX are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.
Consumer complaint received 2018-04-26
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX, should be remove from all reporting agencies, it hasn't been remove from experian
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Set up on fixed automatic payment option to XXXX  payments were paid each month. This was not the case recently, as the company did not charge the minimum payment, and began to charge late fees, and derogatory credit reporting. I can not get them to see the fact that this is not acceptable and the fees charged have ruined my credit, and are the only things that bring my minimum payment back below the fixed payment I would pay. I began above the minimum to pay my card faster, not to XXXX XXXX XXXX XXXX XXXX. They say that they are not in the wrong, but how can you have an autopayment where a customer pays the same each month and charge them late fees and ruin their credit?
Consumer complaint received 2022-06-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, and XXXX XXXX XXXX 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 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (MD)

REVCO - ACCOUNT NUMBER XXXX AND THE Blance is XXXX. The last payment was on XX/XX/2022. I request it be removed from ALL ( 3 ) Credit Bureaus as paid as agreed or paid in full. 

XXXX XXXX was Telephone company was Paid in full on XX/XX/2022. {$100.00} I was information removed from credit file. Account Number XXXX.
Consumer complaint received 2021-05-10
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: Experian Information Solutions Inc. (GA)

I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX XXXX, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. This company has stolen my identity unlawfully and is trying to extort money from me. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with EASTERN ACCOUNT SYSTEM INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). EASTERN ACCOUNT SYSTEM INC can not and will not ever produce a contract between me XXXX XXXX and EASTERN ACCOUNT SYSTEM INC because that contract does not exist.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

I sent in a letter stating facts and they closed my account without my permission. And someone setup automatic payments which I did not approve. THIS IS AN ADVERSE ACTION AGAINST A FEDERALLY PROTECTED CONSUMER. 

I was on the phone with Discover for over 3 hours and they just kept giving me the run around. Once I talked to the last representative he laughed at me and was using obscene, abusive and profane language to me then just hung up on me without letting speak. THIS HAS CAUSED MY XXXX XXXX TO GO UP.
Consumer complaint received 2022-12-13
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. (TX)

Between XXXX XXXXXXXX and fighting to survive XXXX I noticed that my request made long ago has still not been corrected. I do not know who reported me as having resided at XXXX XXXX XXXX XXXX XXXX Tx XXXX but as a native to this state I can tell you with certainty that I NOT lived at that address ever nor do I anticipate ever living in that city. 
I have made this known to my legal team as well as some other things that aren't right at this time. Why is it at all the others in this business can get it right but you can't?
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 I submitted a remittance payment through XXXX XXXX Mail to Capital One for {$330.00}. Per UCC XXXX, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers. All calls are recorded per Capital One Policy, pull the call, I never requested for my account to be closed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have been calling and writing for nearly two years to receive an updated credit report! I was told that I should provide the information online or write them with a copy of my driver 's license showing my current address. I provided the said information online and via USPS. I was denied credit today with an indication that my personal information could not be verified. I called Experian today and was told the same thing. We need documentation. I sent the documentation twice over a year ago and my address has not changed in 22 years!!!
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1. I still havent got proof it's mine but I 2. PAID IT IN FULL XXXX POINTS should be added and per the creditor remarks it should be REMOVED. XXXX who needs to report what the pmt conformation # Is XXXX They can simply pick up the same phone they used to get the XXXX account and see it's paid. 

The lady that took the payment said it's processed and can't undo when I tried to use debit instead of my checking account ( which I thought was better ) and due to this you guys say it could take 30 DAYS!! 

At this point like I asked before sumins me to court so I can hear a judge tell me 1. You can owe someone without seeing proof why 2. You can put XXXX on a credit report WITHOUT EVEN GIVING THE PERSON A CHANCE TO KNOW ABOUT IT or resolve it at all 3. YOU NEVER TOLD ME I DIDNT HAVE TO PAY IT IN FULL that was suppose to be disclosed or I would have not even paid XXXX  XXXX honestly. Especially not knowing if it's accurate. This is XXXX remove it. If the payment doesn't go through for whatever XXXXXXXX XXXX reason THEN ADD IT BACK. But until you get my things in the mail and I get yours and you get XXXX XXXX XXXXXXXX on the phone and simply call to see I made the payment NONE OF MY REPORTS should show this account. Or I will sue you get the money back I don't owe anyway PLUS damages for me getting denied anything I apply for between now and it's removal PLUS all my court fees. Because we both know you're wrong if not see me in court and I will happily learn the law and see how something can be paid and still show up!!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

i filed a dispute last month with experian and they deleted all inquiries and adverse information from my credit file.Only to discover by checking my recent report and some adverse information reappears on my credit file. this goes against the FCRa and its a violation of my consumer rights. i want them to delete all personal information that i requested plus the repossession on my credit file or i will be seeking damages.
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (AZ)

This company is violating both State of Arizona Laws and federal laws. For state of Arizona laws they are charging interest rates above the allowable state law. After speaking with a debt settlement company they advised me that Arizona caps small loan interest rates at 36 %, and that the interest on my loan far exceeds what is allowed under state statue XXXX XXXX. XXXX. XXXX. Which explicitly states that all the lenders wishing to operate in the state must adhere to 36 % APR small loan cap on loans less then {$3000.00}. After speaking with the state attorney General they confirmed this loan would fall under this statue. After advising the company of these they responded with the following : Our records indicate that on XX/XX/2021 you signed a consumer installment loan agreement with XXXX XXXX, which clearly discloses that the lending entity is XXXX XXXXt, a division of XXXX XXXX Bank, a Utah XXXX bank, located in XXXX, Utah, Member FDIC. Pursuant to the terms of the Loan Agreement with XXXX XXXX, you were funded a loan in the amount of {$1500.00} on XX/XX/2021. 
XXXX is a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Consequently, XXXX is governed by both federal banking laws and the laws of the State of Utah. Balance Credit is an authorized servicer of XXXX XXXX, a division of XXXX, retained to perform certain marketing functions for the benefit of XXXX XXXX. In signing the Loan Agreement, you expressly agreed that " You acknowledge and agree that this Agreement is subject solely to applicable Utah and Federal law. '' If the terms of the loan were not acceptable to you, the Loan Agreement provided for a recession period. However this set up is still illegal under federal law, the true lender rule repeal that happened in XX/XX/2021 made it clear that a bank can not be considered the true lender if the loan is managed by, sold to or sourced from a non-federally regulated financial institute. After the repeal, the instructions where clear. Lenders will no longer be able to get around consumer protection laws like interest rate caps just by putting a bank 's name on their paperwork. They are illegally trying to circumvent state of Arizona max cap rates, and their is laws that explicitly forbid their business model.
Consumer complaint received 2022-03-07
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. (NJ)

I, XXXX XXXX am writing this complaint under no influence of any third party agency. Please see the attachments below as it contains my complaints and request.
Consumer complaint received 2022-03-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Absolute Recovery Services, LLC (TN)

The XXXX XXXX had management run off with the money and when new management came in they had us behind on our rent and they said that i owe XXXX but i really don't and the old company never ever gave us receipts like they said they where they just told us not to worry about it and then it pops up on my credit report and im trying to purchase a house as we speakes
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

First I decided to see if I was going to do a mortgage modification with a company by the name of XXXX XXXX XXXX out of XXXX XXXX, California but they didn't do anything. XXXX decided to reverse my first and second mortgage applying a {$42000.00} balloon payment. So I've decided to reject that modification despite given them XXXX trial payments of {$440.00}. I've been working to make my balance current, but XXXX decided not accept any payments from unless its all paid at once of {$2300.00}. Right now in my mortgage suspense account has {$870.00}. I've been dealing with this company since they were XXXX and rejected {$930.00} was rejected from my bank account. I'm trying to keep everything current but they won't comply and are always screwing up the figures. Please assist.
Consumer complaint received 2018-05-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GMFS, LLC (AR)

XXXX XXXX Been customer for 2+ years - never missed a payment Keep calling and saying they are a debt collector Tell me I've missed 2 payments and try to collect the money over the phone All of my payments have cleared my bank. I have shared that with them. 
They said they would not call me back - called today and tried to collect payment. 
Current Mortgage Payment cleared on XX/XX/XXXX.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have sent Experian 3 letters, XX/XX/2021, XX/XX/2021, and XXXX XXXX regarding two separate accounts from XXXX. They are reporting information that is incorrect stating " paid, was past due 180 days or more '' and reporting history well over 2 years old. This information is inaccurate and is a violation of my FCRA rights. It is damaging to my credit score. I have not received a response in over 90 days.

Ive included copy of credit report for both accounts as well as all three previous letters.
Consumer complaint received 2022-03-07
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. (NJ)

I contact XXXX XXXX about a fraudulent account on my credit report in XXXX, call them back XXXX about the same account a XXXX XXXX XXXX XXXX and they notify to me that my social security number those not match this account, I contact XXXX, XXXX and they do not have this Account on my Credit Report, I contact Experian and it show on there Credit Report I let Experian know this account is fraudulent.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (NJ)

I have an online account with BBVA. I am attempting to access my money in the account, and have the funds sent to me, and close the account. As of today, there is {$10000.00}. 

The bank is not allowing me to have access to the funds that I have. They refuse to send me a check with the funds. They insist that I travel to a branch to take out the funds, even though the closest branch is over 1000 miles away from me, and they solicited my business in the mail. 

Alternatively, they will charge me fees, a ) for me to transfer the money to myself, with daily and monthly limits on how much I can obtain, and b ) will set limits on wire transfers to myself, and c ) charge daily and monthly fees once I obtain the monies that are mine. 

Additionally, I have spent hours upon hours on the telephone attempting to get someone to help me, and I am being transfered from person to person, and get hung up on all the time. It appears that the bank 's MO is just to make people 's life so difficult that they just feel that it isn't worth it. 

I would like to be able to access all the money in the account, free of charge, and to close the account. I do not beleive that I am the only one in this predicament, and this is how the bank earns income. 

Thank you for your help.
Consumer complaint received 2023-06-13
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: PNC Bank N.A. (FL)

Yes I made a purchase but I immediate contacted the merchant and cancelled it they sent it anyway after I refused it it was rerouted back to me again then I contacted the company to get a return label they refused its XXXX XXXX I then filed a dispute over three weeks ago with pnc dispute Dept they assured me not to worry to credit my account and not a single credit email or is mail has been sent to me
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have disputed my XXXX XXXX account several times of the past couple of years, and for some reason they keep on verifying incorrect information on this account which I do not understand! They are reporting me late 120 days for three consecutive months which is incorrect and inaccurate reporting! If I was indeed late it should be 120, 150 and 180, but they verifying false information! On my account! The negative months are XXXX and XXXX of XXXX and XXXX of XXXX