davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my accounts without warning or cause in 2017, I was treated over the phone several times to unprofessional and abusive behavior by several Bank of America employees. And each response to my complaints have been watered down responses that did not address any of my concerns and instead continue to blame me when I did not have anything to do with what happened. My accounts were mishandled and they knew I had ID theft right around the time of these closures. Bank of America did not care or show concern at any time for what I experienced. Attached is a letter I wrote to the CEO Of Bank of America which I tried to send but never got a real address to send detailing the experience I endured at the hands of the employees involved. I am not saying money isnt owed and shouldnt be paid Im saying due to what happened I should not be held responsible due to the extreme trauma this caused. Bank of America does not have to have me back as a customer if they do not choose to but what they can choose to do is to show me some compassion after all I have been through and while I do not expect this to happen I am hoping there is someone who is willing to do something.
Consumer complaint received 2022-01-22
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. (CA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I would like to place a complaint against US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX. I have a mortgage loan that I requested a payoff in full since XX/XX/XXXX. I requested a payoff balance with US Bank and was sent a payoff letter on XX/XX/XXXX. The problem is with US Bank 's 3rd party vendor XXXX XXXX XXXX for the second lien. Apparently, XXXX changed to a new entity and US Bank keeps waiting for the new company which I believe is HUD to get the second payoff. Each entity is blaming the other stating that HUD won't provide the payoff and when I contact HUD they said that US Bank needs to reach out to get the payoff. Each entity is NOT providing the correct payoff information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX. The title company and myself have reached out to both US Bank and HUD at least 3 times a WEEK since the end of XX/XX/XXXX to get this resolved and each entity blames the other with NO results. I am NOW penalized 2 more months of finance charges and late fees because neither entity will provide the correct payoff. I am requesting your help to have these charges reversed and credit repaired due to their incompetence. I am also requesting your help in obtaining the correct payoff ASAP. I have had my condo in escrow since XX/XX/XXXX. The new borrower has provided the title company funding ( cash sale ) for the payoff and now losing dividends on their money as well. This is a private sale between buyer and myself. My loan # is XXXX. My property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. FYI- Weekly sometimes 3 times a week I call, the title company has called and sometimes we conference call these entities since the end of XXXX to get this resolved and each one blames the other. We have been on the phone for up to 2 hours at a time. Customer service at US Bank has TONS of notes on my account referencing payoff request YET no one can help. I have been offered a return call from a Supervisor that has NEVER happened. I feel US Bank and HUD will not provide the correct payoff amount in order to un-lawfully gain additional finance charge and fee income. This complaint is over a payoff quote - nothing more ... how hard can this be? What they are doing is un-lawful and if this can not be resolved to MY satisfaction which is reversing all charges as of XX/XX/XXXX I will be seeking legal advise and starting a class action lawsuit on US Bank and HUD. I have also file this same complaint with the FDIC. US Bank and HUD has left me no other recourse. I want this resolved by XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2022-01-22
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. (FL)

This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-01-22
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. (FL)

I first notified Transunion both via phone and in writing in XX/XX/2021 that XXXX XXXX was reporting a fraudulent account and inquiry on my credit report. I notified Transunion again in writing in XX/XX/2021 with a FTC report required under FCRA. Transunion has failed to conduct a fair investigation or remove this account from my credit report. Provide any documentation that proves this account is mines.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (FL)

I do not owe these people yet they have tried to get money from me that is not owed to them. They have taken me to court XX/XX/XXXX and are still trying to get what is not owed to them. XX/XX/XXXX they tried to garnish my pay in which I no longer work at the establishment. On XX/XX/XXXX they assumed that I worked at another company and decided to send them garnishment papers in which I no longer work there either.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/18 I ordered a pair of shoes for {$110.00} via PayPal from a XXXX retailer called XXXX XXXX. I'd never ordered from XXXX before, and I was hoping to use PayPal in case there was anything fraudulent involved with XXXX. XXXX 's tracking information never worked for me, and on XX/XX/18 they emailed me saying the package had been delivered. It never was. I attempted to work this out with XXXX, but they were unresponsive so I reached out to Paypal on XX/XX/XXXX filing a complaint. PayPal spoke with XXXX and denied my claim for a refund on XX/XX/XXXX on the grounds that the seller 's tracking service indicates that someone signed for the package. No one was around to sign for the package on XX/XX/XXXX, so this is very strange. In addition to this, the tracking website they provided to PayPal is only in XXXX that XXXX is unable to translate via XXXX. Nonetheless, PayPal took this as sufficient proof that the package had been delivered, without ever seeing evidence of signature. I worry that XXXX committed deliberate fraud, and that PayPal 's system denied my claim when it should have been accepted.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

I have been calling this bank daily and attempting to close my account. I am accruing a $ XXXX overdraft fee, which the bank refuses to refund, despite my repeated attempts to bring the balance back to zero. Service at the branch is not helpful, as I am told employees there ( including managers ) do not have the authority to issue the necessary refund to close the account.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MO)

A Credit Card was illigally opened and used mutiple times in my name. The total equals {$4100.00}. I did not concent to obtaning this credit card, nor did I concent to the use of it as well.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXX bank + pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE TO ME XXXX OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF XXXX MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with XXXX, TRANSUNION, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX ( XXXX ) ( XXXX ).
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (NC)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2023-09-11
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
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. (GA)

Experian, XXXX, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

My husband had a title loan with Title max in XXXX XXXX texas on XXXX XXXX. His last payment made was in XXXX his decease date was XX/XX/XXXX. The company contacted me about payment. Due to my husband putting me on the loan application as a reference.I then told him My husband was decease.They ask me to bring a copy of my Identification and his death certificate.I did that and have not been contacted since. Nor did The company mention at the time I brought death certificate and my Identification that they were still seeking payment.They said it would be decease and dismiss.The car was repoed over night on XX/XX/XXXX. The guy driving the tow truck said the XXXX location opened the claim back up in XXXX of XXXX. I have called the storw and the cooperate office.The lady at the cooperate office said she didnt understand why the car was even on repo list.
Consumer complaint received 2022-01-22
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)

XXXX, XXXX, and Transunion have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.