davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (AL)

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 XXXX XXXX  XXXX, {$23000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXXXXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Consumer complaint received 2021-11-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I filed bankruptcy in XX/XX/2018 but XXXX XXXX was able to still foreclose on my home and take my property in XX/XX/2018. I dont know how they were able to bypass the bankruptcy and take the house XXXX My servicing company was Ocwen and then when it sold in XXXX XXXX XXXX bought the property on the sale date. There is 2 dates XX/XX/2018 and XX/XX/2018. Both dates are in the system. Property address is XXXX XXXX XXXX XXXX XXXX Ca XXXX. Thank you
Consumer complaint received 2020-07-27
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2022-10-29
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: Early Warning Services, LLC (NY)

My account will be frozen all weekend without my XXXX due to Early warning services LLC I have no idea who this company is or what it is about but for them to not be available on weekends for anyone to rectify whatever the issue is RIDICULOUS. Now I have to sit the whole weekend without access to my account because of whatever is going on with this company!
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Someone has taken complete control of my identity, I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report.Not sure who has my information or how they got it .I have been calling the credit bureaus explaining this but as of today they have been any help.Please help me take back my life
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Consumer Finance, I have contacted I C SYSTEM who is the creditor for XXXX XXXX in the amount of {$3400.00} and asked them to verify if account is mine. 

I have contacted the 3 credit bureaus, as well as IC System, to validate this debt is mine, and they have failed to show proof. 

To this complaint I will attached the letters sent.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I contacted Experian about the fraudulent collection XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1400.00} ). Attached is the dispute I mail them certified mail. To this date they have not respond to my dispute or remove the fraudulent collection.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valentine and Kebartas, Inc. (TX)

I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.
Consumer complaint received 2022-06-16
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, I ordered 48 windows and a patio door from XXXX 's, including installation services and a lifetime warranty. XXXX 's contracted to inspect the property, order the correct windows and door, deliver the windows, and install the windows in accordance with XXXX 's installation instructions and local building codes. I was promised that windows would be delivered and installed from XX/XX/XXXX through XX/XX/XXXX. No windows or doors have been delivered or installed that are appropriate for installation in my home, that could be installed in accordance with XXXX 's installation instructions, that are the correct size, or that comply with local building codes. I paid XXXX 's {$40000.00} on XX/XX/XXXX and {$39000.00} on XX/XX/XXXX for the services that XXXX 's has failed to provide. 

Based on the failure of XXXX 's to provide any of the contracted services, I demanded a refund from XXXX 's on XX/XX/XXXX. I filed a claim with Chase on XX/XX/XXXX to dispute the charge on my credit card. Chase has failed to take any action or provide any information on my claim, despite dozens of calls and messages to Chase.
Consumer complaint received 2018-05-02
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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXX reported a 60 DAY late payment on my Credit. 

I have returened my XXXX XXXX after lease was over to the dealer, on XX/XX/XXXX. 
On XX/XX/XXXX i received a collection letter from XXXX XXXX XXXX that i have a balance of {$220.00} for bumper damage on my car. Which i paid the same day hoping that they will not report to credit bureaus. 
The problem is that when i was returing the car back in XX/XX/XXXX at the dealer they told me that i do not owe any money to XXXX XXXX XXXX for bumper damage or any minor scratches beacuse i had an Excess Wear & Tear Protection for {$5000.00} and i have all supporting documents. 
I tried to dispute the error with XXXX XXXX XXXX but they do not want admit their mistake and remove that 60 day late from all major national credit bureaus. 
All my attempts to exlain them that i would never miss a payment and damage my credit history, specailly that i have 2 other open accounts with XXXX XXXX   XXXX, and have always made my payments on time, did not convince them to currect their mistake. 
Thank You
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CO)

I applied for an American Express XXXX card on XX/XX/2022. I was sent an adverse action notice on XX/XX/XXXX, XXXX following that I sent 2 offer rejected notices for the adverse action letters I received. American Express National bank keeps telling me that I was denied due to my XXXX  score, which is false and I explained how that is false along with PROOF as to how I can not be denied of my own extension of credit. American Express National bank has broke Federal law and I have been discriminated against being that my federally protected consumer rights were severely violated.
Consumer complaint received 2020-07-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I received a notice from this company stating that I owed them money ; I have never done business with them. I sent them a letter requesting debt validation and verification on XX/XX/2020 via certified mail. As of today, XX/XX/2020, I have not received anything from this company validating this debt. The letter that I sent them was received. I have confirmation that they received the letter. Sequium Asset Solutions failed to comply and did not send me back debt validation, which does not show me any services rendered or what I am supposedly being billed for. Instead of sending me debt validation, they reported this negative item on my credit reports. I ask this company to only communicate with me via mail in which I have that right to do so. They have failed to communicate with my regarding this alleged debt. They are violating several laws and my consumer rights. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Therefore, this should not be reporting on my credit reports until this matter is validated by providing valid and proper debt validation. I see this is how they handle others as well and this is clearly them violating the laws that are set to govern the collection process.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

On Monday XX/XX/2020 I deposited a check from XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 the check cleared. On XX/XX/2020 Suntrust bank closed my primary account that I deposit my pay check and pay my bills and they also closed the account that I deposited the insurance check in without warning. I am confused as why this would happen and no one call to say this was going to happen. I called the bank several times and no can tell me why accounts were closed and when I will get my money back.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the account.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

After paying the credit card account balance in full and before the due date to avoid interest charges. The Bank, Capital One, charged a " Minimum Interest Charge '' of {$0.00} on the current statement. 

The explanation from the service agent was " Because you paid interest in the previous period you were charged interest this period. If you pay your balance in full this period you won't be charged interest next period. '' This is an example of an excessive charge by the bank. I did not use the bank 's money, I should not be charged interest ( or a fee ).
Consumer complaint received 2024-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX I initiated a transfer of {$1000.00} from my Capital One savings account to a linked checking account at a different institution. The money was removed from my Capital One account but never showed up in my linked account. On XXXX XXXX I opened an investigation in to what happened. Capital One was VERY hard to understand and deal with. They sent me an email on XXXX XXXX saying that they were looking in to the matter. I received no further communication from them until XXXX XXXX when I reached out again, by phone, and was told it would take 10 business days to get a provisional credit for the {$1000.00}. I said that was unacceptable, and asked for the credit that day. The customer service rep I spoke to said she would request it. As of XXXX XXXX I have still heard nothing from Capital One, and they have not credited my account. As far as I am concerned, they have STOLEN {$1000.00} from me and have made no efforts to address my concerns.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, PayPal permanently limited access to my account, which contained a balance of {$19000.00}. The reason provided was not explicitly stated, but I received communication indicating that PayPal would hold my funds for 180 days pending an investigation into my transactions. 

After patiently waiting until XX/XX/XXXX, which marked the completion of the XXXX hold period, The hold was lifted and the total balance was available for withdrawal. Subsequently, I started withdrawing the funds in sequence to my debit card as instructed by paypal. I was only able to transfer {$4800.00} to my linked card before PayPal locked the account once again on XX/XX/XXXX. 

After lodging a complain, I got a reply from paypal that my funds will be on hold again for XXXX  days for the same reason it was held on XX/XX/XXXX. This action contradicts PayPal 's previous assurance that my funds would be released after the XXXX hold period. 

It is important to note that since the only activity that occurred on my account between XX/XX/XXXX and XX/XX/XXXX is to withdraw my already held fund which is now available as stated by paypal, I have engaged in no prohibited activities or wrongdoing, as acknowledged by PayPal 's own terms and conditions.

Furthermore, PayPal 's assertion that " we may hold your Account balance for up to XXXX days if reasonably needed to protect against the risk of liability '' implies that the hold was contingent upon valid concerns about risk. Since no such concerns have been substantiated, I fail to see any legitimate reason for PayPal to continue holding my funds. PayPal has already held my funds for the agreed-upon XXXX period to protect against the risk of liability, and there have been no reversal, chargebacks or disputes in my transactions, their claim to hold my funds again for another XXXX  days based on the same risk of liability can not be validated. 

I urge PayPal to reconsider its decision and promptly release the remaining balance held in my account. The continued withholding of my funds without justification constitutes a breach of our agreement and inflicts undue financial hardship upon me.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2022-02-17
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 mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (NY)

Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX