davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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)

After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.
Consumer complaint received 2022-04-28
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. (NV)

I called transunion & XXXX and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.
Consumer complaint received 2021-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

In XXXX of 2020 they paid my insurance company twice on accident. They have yet to get that money back. The insurance agency has sent the check but it has not been deposited. The company XXXX has not gave me a response on how they will be getting my money back. Nor am I able to go directly to the insurance company as the payment came through amerihome.
Consumer complaint received 2022-04-28
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)

XXXX, Transion Union, XXXX All 3 of these Companies are displaying in Correct info on my Credit Reports and is causing me to not receive services from buisness i wish to do buisness with.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello Dear CFPB I am writing to ask your assistance to reopen my oldest account with Citi bank which they closed due to inactivity. I was never notified or informed anyway shape and form that my account will be closed if i do not use it otherwise i won't let this account to be closed. Its my oldest account and by closing this account my credit had very significant damage because it wiped out my credit history. Please Dear CFPB assist me to reopen this account which is very important for me and my credit. Thank you
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I have an account with Wells Fargo. I made a fraud claim for a {$300.00} transaction from XX/XX/2021. I was given a claim number and told that the claim would be investigated and that I would be updated in 10 days. I have called multiple times since, and Wells Fargo says that they can not find the claim number. I have also not been updated by email or mail on my claim.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

It's my understanding that FCRA 605B necessitates the elimination of any mistaken accounts from my credit report. Could you kindly examine the documents? I've noticed inaccuracies in some of the listed accounts, which is unsettling for me.
Consumer complaint received 2019-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

I purchased my vehicle in XX/XX/XXXX. On XX/XX/XXXX, I had XXXX and was out of work until XX/XX/XXXX. I called Ally and spoke with a man in XX/XX/XXXX requesting to push a payment to the end of my loan due to being out of work for 2 months. He said I could do that by making a payment which I did on the phone with him after explaining that i did not have the funds due to being out of work XXXX even the reason i asked to push the payment to the end of my loan. The payment was not pushed to the end of the loan i then fell behind on my payments. They have reported to my credit report a repossession in XX/XX/XXXX which is false because a payment was made in XXXX. I paid {$1900.00} to them in XXXX and today i spoke with XXXX XXXX extension XXXX to attempt to make a payment and she refused to set up a payment or allow me to speak with a manager. How can you report someone late who has spoken with multiple people to get the account caught up. They call me multiple times a day on my cell phone, when I answer they hang up or do not leave messages. The are violating FCRA AND TCPA REGULATIONS and they are not willing to assist their customers with getting accounts caught up. When I set up a payment in XX/XX/XXXX the girl told me to make my payment in the amount of the car note and dont worry about the past due amounts billed to my account but she failed to mention that my account would be reported last due since the full payment amount was not made. Please review every call I had with Ally, remove the past due and repossession as I have worked with this company for almost a year to get this account caught up.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

People 's United Bank replied to previous complaint. Part of the complaint was not addressed. The Specific part not addressed is whether or not XXXX XXXX is really an officer of the company People 's United Bank. XXXX XXXX calls from a spoofed and or NON WORKING phone number, why? A person with such a title SHOULD be reachable! 

XXXX XXXX 's response makes me doubt even more that he really is not who he says he is. This was proved by the response on what looks to be a home made version of People 's United Bank letterhead. Did you notice there is NO address of their corporate office, and no phone numbers. Also there is no proof that anyone from People 's United Bank actually approved or knows of it's existence. A document that addresses such a sensitive matter should have been notarized, which it was not. As mentioned in my previous complaint, this person could work in the mail room or be a friend of someone at the bank playing the part. 

So .... 

If XXXX XXXX is " truly and officer representing People 's United Bank, then why did he not USE OFFICIAL LETTERHEAD with an address and a phone number, and have the document notarized so that is is no doubt ''? 

People 's United Bank has been 100 % dishonest by NOT DISCLOSING the fact that they had a data breach to those customers THAT WERE PURCHASED from the XXXX XXXX  purchase and merger. Staff in the XXXX office actually CLAIMED it never happened when I first approached. 

In this time where 99 % of all phone calls people receive are scammers, and cheaters, this reply should go right to the top of the pile with a note that says " this doesn't seem like a real bank officer wrote this ''
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Between XXXX and XXXX XXXXXXXX XXXX  took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in June over 7 Years ago! 
The account is still on my cred report! of XXXX.
Consumer complaint received 2023-07-17
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. (CT)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2018-08-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

For the past several months we have receive notices from XXXX XXXX, regarding the collection & enforcement of our Home Line of Credit. The line of credit was executed between me and XXXX onXX/XX/XXXX. 

XXXX XXXX is trying to collect the debt and claims that the account is fully enforceable by its terms. XXXX XXXX is trying to establish enforcement on a Heloc or line of credit, however in the state of Florida the Heloc by its term is a non-negotiable instrument. 

Under Florida Law, the heloc is not a self-authenticating negotiable instrument. By its own terms, the note established a " credit limit '' of up to XXXX from which I could requested in advanced ..at any time. Further the note provided that all advances and other obligations ... will reduce your available credit ''. The heloc note was not unconditional promise to pay a fixed amount of money. Rather, it establishes the maximum amount of borrower power extended to a borrower by a given lender, to be drawn upon by the borrower as needed. See line of credit XXXX XXXX XXXX, XXXX ( XXXX XXXX. XX/XX/XXXX ). 

The distinction is not esoteric legalese. Florida law is clear that a " negotiable instrument '' is " an unconditional promise or order to pay a fixed amount of money, with or without interest pr other charges described in the promise or order. '' 673.1041 ( 1 ), Fla. Stat. ( XX/XX/XXXX ). The Heloc note reflects no such undertaking. it only obligates me to repay whatever borrow, up to XXXX. Therefore the HELOC failed to require the payment of a fixed amount of money, making it nonnegotiable instrument. XXXX XXXX can not continue to enforce this debt as it is deemed nonnegotiable by its own terms.
Consumer complaint received 2019-09-17
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: EQUIFAX, INC. (TX)

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I dont know what wrong with the edd debit card, I tried to get into my account and its not even letting me in at all I called boa no better response I got up to XXXX grands in that card
Consumer complaint received 2019-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sterling Credit Corp. (NY)

XXXX from XXXX XXXX XXXX was rude unprofessional and contacted my bank XXXX XXXX XXXX XXXX and requested an amount from my account not authorized to he called me a liar and talked over me people picking up the phone are not representating the company this took place at XX/XX/2018 at XXXX, the number I was told to contact was XXXX I feel scared that this company has my personal information
Consumer complaint received 2022-04-27
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. (IL)

Transunion ( XXXX ) Unauthorized Hard Inquiries XXXX ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX  ( {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act XXXX Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy. 15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written
Instructions or Consent
Consumer complaint received 2021-04-13
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. (FL)

I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.
Consumer complaint received 2019-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX   XXXX/XXXX  Account # XXXX CONTACT INFORMATION XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (DE)

In accordance to the fair credit reporting act 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 a account without my written instructions. 



Date XX/XX/2022 Balance {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.
Consumer complaint received 2022-08-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.
Consumer complaint received 2019-11-18
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. (MI)

A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Apparently there is something negative on my Equifax report. I requested it at the XXXX and received XXXX and XXXX without any issues. There is nothing negative on either report. Equifax system was down and it said, basically, ask for one by mail. I logged in to the Equifax site the next day and requested it. It said " we are unable to process your request at this time '' and gave me a phone number to call. I called the number and went through the prompts and received the email attached below. Notice that it says " Equifax credit file failed {$0.00} ''. I then called two or three more numbers and the agents in each case said I had to wait until next year to attempt it again, however, they could provide me one right now for {$10.00}. They are running a complete scam over there. I haven't requested one of these in five years. I believe Equifax is deliberately making it impossible to get a free credit report in order to squeeze money from individuals.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is 19 says pass the due date. Neither payment was made 30 days after the last due date. I called XXXX XXXX XXXX the first week in XXXX when I received a late pmt alert from Experian. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. Experian did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to Experian and was told they are not mediators.