davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give them any written instructions, 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX  years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I closed my account with American Express on XX/XX/XXXX. Since that time I did n't receive a single payment reminder through emails which the American Express was used to provide me. During that time, I moved to a new address and suddenly I get a bill of late fees on my account from XX/XX/XXXX to XX/XX/XXXX. I spoke to the customer services and she was able to waive the charges for the month of XX/XX/XXXX but refused to do so for the month of XX/XX/XXXX. I offerred her to pay all the charges until the date of XX/XX/XXXX but she refused and kept insisting that I must pay her {$120.00} including the late fee that was imposed after I closed my account.
Consumer complaint received 2016-01-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (CA)

XXXX XXXX, 2016 RE : Modification Agreement Sent Priority Overnight Received XXXX CFPB Please see CFPB Case No. : XXXX I attached a copy of the email I sent to Rural Department and their response, ( XXXX XXXX & XXXX ), they called this loan a " Traditional Modification '', not a USDA LOAN or a " Borrowers Assistance Loan ''. 
I previously sent copies of the complete document of the " 3 Month XXXX Trial Modification '' from Planet Home Lending. I only attached page XXXX ( XXXX mod ) of this plan, so you can see the 360 months vs 302 months listed in the Planet Home Lending " Modification Agreement ''. I do n't know how to amortize the unpaid balance, but I do not think the monthly payment should be the same. I have attached a compete copy of Planet Home Lending 's Modification Agreement ( pages XXXX through page XXXX ). 
Please review the document called " Limited Power of Attorney '' to correct and execute any typographical or clerical errors. I am not giving anyone power of attorney over anything I am responsible for. 

Could you please review this agreement, even though I did not sign it, I ca n't help feeling there are additional problems with this agreement. 
Thank you so very much
Consumer complaint received 2019-06-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (TX)

Paypal put the limitation on my account since XX/XX/2019 and asked me to submit 3 documents they asked from me, and i submitted it to them right away and paypal account was under review since then, then today XX/XX/2019 I received an email regarded my account status and on the email they said after they reviewing my account, they have decided to close it because of security issues, and they need to held my money in there which its {$380.00} for 180 days and after 180 days, paypal will email me information on how to receive my funds, I think it is ok for them to closed on my account due to security reason which they aren't able to provide me an exact reason why they closed my account which they did already but they have no right to held my funds for that long, i just want to get my money back! my paypal account it's link with my name and my email which its XXXX XXXX and my email address its : XXXX XXXX
Consumer complaint received 2017-04-15
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Commonwealth Financial Systems, Inc. (TX)

I PAID THE DEBT AFTER THEY AGREED TO NOTIFY ALL MAJOR CREDIT AGENCIES AND THEY CLAIM THEY HAVE BUT HAVE NOT XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Facsimile : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX File ID : Original Creditor : Original Account : Current Balance : Service Date : XXXX XXXX XXXX XXXX {$0.00} XX/XX/2013 Commonwealth Financial Systems , Inc. Is authorized to resolve the above-mentioned account. 



This shall confirm this debt as " Satisfied '' And you will have no further obligation to the above referenced creditor. We will also notify the XXXX major credit bureaus to delete the above referenced account as soon as possible. 

If you have any questions Or concerns, please feel free to contact me. 












Sincerely, XXXX XXXX XXXX XXXX Ext. XXXX Manager This is an attempt to collect a debt, by a debt collector, any information obtained will be used for that purpose. 
This letter is subject to receipt of payment total. If made, this letter serves as authorization to remit said payment. If payment is voided or offer not accepted/completed by dates listed above, CFSI is not obligated to renew the offer. 


Email Account Manager Give Us a Call Save Contact Information
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX  Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX XXXX XXXX  Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK (IL)

On XXXX I sent a wire transfer from my local bank to Cathay bank for the purchase of an automobile for the amount of {$23000.00}. Account number XXXX. Wire transfer # XXXX under the account name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX. Nine days later when I did not receive my vehicle that was supposed to be transported to me, I reported this to my bank " XXXX XXXX XXXX in XXXX, Illinois XXXX on XXXX XXXX. Because of the upcoming holiday weekend, the bank representative was not able to get an answer from Cathay bank regarding cancelling the wire transfer. I did receive {$1100.00} back from Cathay bank. The seller of the vehicle has blocked me on XXXX and his phone and email are no longer in service.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX I applied for an American Express Hilton card that offered XXXX points + one free night at a Hilton Hotel when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points because they are no longer offering it BUT the offer was active on the website. I then explained to him I should be able to since it is an active promotion. He then realized he was wrong and figured out a way to get me accepted. He then reassured me MULTIPLE times that I will get the bonus points after spending $ XXXX in 3 months. After receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. I explained that I got reconsidered for it and the representative stated they do NOT reconsider applications. This is not true because my brother went through the same process and got accepted and got his points. 

Keep in mind the guy on the phone reassured me multiple times that I got it. He was even happy that I got it and called himself a " genius '' for figuring out a way to do so. ( all should be recorded through them. ) I opened an investigation with AMEX but they are taking too long and I want this to be resolved ASAP.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have a tXXXX XXXX XXXX  with XXXX XXXX. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Offices of Robert J. Colclough, III (CA)

On ( XX/XX/2023 ), I sent a letter to ( ALLIED COLLECTION SVCS ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( ALLIED COLLECTION SVCS ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

THE FTC PDF DOCUMENT HAS BEEN UPLOADED TO TARGET ALL OF THE ACCOUNTS THAT WERE UNDER FRAUD. I CLAIM NO LIABILITY ON ALL ADVERSE ACCOUNTS I HAVE LISTED ON THE DOCUMENTS ATTACHED
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2023, I got a response from Capital One that my credit limit increase request was denied due to legal action pending against me.There were no other further details that explained that meant. Ive a XXXX capital one cards for over a year and got a {$100.00} increase last year. 
I called Capital One customer service on XX/XX/2023 and talked to XXXX different people who couldnt help me. The last person I spoke with said no one at the company has that information and cant access it because they arent the ones who decide the reasons for any payment increase requests.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Filed chapter XXXX bankruptcy on XX/XX/2012. The statute of limitations in California is 7 years. It has been 9 years and 8 months and Transunion still report this bankruptcy.
Consumer complaint received 2022-10-10
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. (PA)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( Equifax ) and XXXX ( XXXX ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both XXXX and Equifax. In XX/XX/XXXX it dropped drastically.It dropped 92 points for Equifax and 91 points for XXXX. It stayed this way over a course of 3 months for XXXX and then made a drastic leap from XXXX to XXXX. For Equifax, it increased from XXXX to XXXX. My score remained consistent for Equifax four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XXXX or XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... XXXX ( -91 ) and Equifax ( -59 ) .It seems that no matter what I have done to do the right thing and stay afloat, Equifax and  XXXX has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of Equifax 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.
Consumer complaint received 2021-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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. (TX)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XXXX and XXXX. Please look at XXXX and XXXX as they are reporting my account as 0 late payments and never late. Please also take a look at the reporting date as Transunion is way off from XXXX and XXXX as well. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to " Paid/Never late '' as they should be, due to the fact that I was never late. Thank you for your time.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX  Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

Sent a validation letter request certified. Company received and took no action. Called and said they where not obligated to send. The account was fromn XX/XX/XXXX. I know nothing about this debt or if it is a valid debt or not. I requested they remove this from my credit report and stated they would not and to contact the original vendor. XXXX XXXX XXXX. Which I did. They know nothing about this debt and refused to contact collection agency CBE. Want the debt removed my credit report and want validation for all debts held by this company. I only seen one on my report but agent said there where over 6k from the same company. I need to see this bills and conduct and audit for validity. And I want this removed from my credit report immediately. I have disputed this debt in XX/XX/XXXX and the company has not responded. The amount of the debt is XXXX XXXX XXXX care, It has hurt my credit score and want this removed.
Consumer complaint received 2022-10-11
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.