davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (PA)

i sent my letter out on XX/XX/XXXX to XXXX, Transunion, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( 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.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (MO)

On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted Equifax, XXXX, and XXXX several times about this matter and my concerns. Equifax, XXXX, and XXXX have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter.

2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter.

4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. XXXX Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo is stating that I had opened an account with them. And that my account went overdrawn. That i know owe them almost XXXX I never did any of this and have given them everything they need. Dont understand why they keep calling me over and over in regards to this. Said they spoke with me in XXXX. In XXXX I was in the hospital and pretty much in a delusional state and very ill. I dont remember talking to them and i believe they took advantage of me during this time. Especially given I was not in my right atate of mind when i talked to them. I just want this to stop. I cant keep going on with this
Consumer complaint received 2020-09-15
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. (VA)

This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to Experian. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX XXXX  : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As XXXX military XXXX  serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
Consumer complaint received 2023-01-30
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. (IA)

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

XXXX XXXX is indicating that I have only made 45 qualifying payments out of the 120 required for the PSLF program. According to my records, I have made 65 qualifying payments.
Consumer complaint received 2023-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MD)

On XX/XX/XXXX I called cardinal mortgage to inquire about the HAF fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer XXXXXXXX XXXX stated they could not locate the HAF fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted Cardinal regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the Maryland Homeowner Assistance Fund ( HAF ) agency. XXXX XXXX was advised that Cardinal received and forwarded said funds to the Cash Department for processing. ( Per prior complaint response from Cardinal made in XXXX. ) the fund was never transferred and Cardinal confirms receipt to the HAF department on XX/XX/XXXX per HAF. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer XXXX XXXX is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The HAF fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for XXXX XXXX to benefit more from my loan. 
I have been asking where is the fund, HAF has no record of the fund being returned to them. Cardinal is unable to tell me where is the fund. 
XXXX XXXX sent me modification paperwork to sign 14 days from XX/XX/XXXX.
Consumer complaint received 2022-09-16
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. (MO)

On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted XXXX, XXXX, and Transunion several times about this matter and my concerns. XXXX, XXXX, and Transunion have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter.

2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter.

4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. XXXX Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MN)

A deposit was made by cashiers check totaling {$39000.00} on XX/XX/23. I was told I would be receiving access to the funds on XX/XX/23. Huntington Bank proceeded to close my account and has held a hold on my deposit into my checking account for almost a month now. Nobody from Huntington Bank can tell me anything.
Consumer complaint received 2018-09-01
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)

I went to XXXX 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

XXXX Bank is claiming and reporting this derogatory info to the 3 credit bureau, that i owe them {$16000.00} which i asked them by certified letters and return receipt, if they have any documents, or any evidence bearing my signature by all means to send it to me and i will honor it but despite my numerous certified letters to them i never received anything from them proofing this is a valid debt, but despite all they still continuing reporting it on the 3 credit bureau damaging my financial life irreversible.
Consumer complaint received 2021-02-18
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: Choice Recovery, Inc. (IL)

On XX/XX/XXXX, XXXX XXXX ( Date opened XX/XX/XXXX and XX/XX/XXXX ) add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

Collection Agency : XXXX, XXXX XXXX XXXX, Alleged Balance : {$1300.00} Opened Date : XX/XX/XXXX I did not open said account as indicated. This account dates back to early XXXX and the balance is incorrect or excessive. 

XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-04-05
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: SYNCHRONY FINANCIAL (UT)

so in light of your recent response I want to take you guys to arbitration for the XXXX you guys dont seem to resolve my dispute and I have proof from XXXX   there was damage to the computer and it was not as decsrbice I tried to email you several times and no response so I either want a refund for the XXXX or I will take you to attrition for this and I am letting you know right now I wish to go to arbitration.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I had a collections notice on my credit report from XXXX XXXX. On XX/XX/XXXX, I called and asked them about it and they said that the collections was n't with them anymore. They recalled the collections back to XXXX, the original holder. I called XXXX the same day and made a payment to get rid of the debt owed. They explicitly said that it should not be on my credit report after payment. The problem is, the collections notice from XXXX XXXX is still on my credit report and I would like it to be taken off. I was given a clear statement from the XXXX XXXX  agent that they do not have my collections anymore and that it should n't be found on my credit report. As for the payment for XXXX, I have the confirmation number, XXXX, and the employee id, XXXX, of the man who explained to me the process above ( for removing the collections from my credit report ).
Consumer complaint received 2022-09-16
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)

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (NY)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/XXXX I went to get financed for a vehicle I ended going to XXXXXXXX XXXX  auto dealer here in XXXX TN I was told my credit wasn't good enough so I needed a higher down payment I was looking at XXXX XXXX is XXXX model they told me I needed around XXXX to pay for the car that old I couldn't believe it but I was desperate and I didn't have the transportation at the time to look any where else so I agreed they wanted an extra XXXX for taxes which was to much I felt I was paying but I was in a situation and needed transportation to get back and forth to work to pay bills I was told my car would be a total of {$12000.00} but after I filled out and agreed to everything my total went up to around XXXX when I looked at the paper work I asked why they say it was the finance company which is credit acceptance they over charged me for an old vehicle I struggled to keep up with payment when switching between jobs the company would not help me my car was repossessed a couple of times which I had to high fees to release my vehicle causing me to go further into debt I'm not rich I'm just an everyday working American trying to make it and I feel this company and dealership played me for my cash now I fo not have the vehicle and I need help please
Consumer complaint received 2018-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys (WA)

This Encore company has called me at least 4 times a day nearly everyday, including Sundays and Saturdays, as early as XXXX XXXX. They will all and hang up as soon as I answer, or they will go to voicemail and leave no voicemail. When I call back sometimes they hang up on me when I demand more information from them, since they are asking me for my information. The calls are 100 % harassment and I have already asked them multiple times to only correspond with me via standard mail, as my job requires me to wear PPE which I must remove every time I get a call. They are impeding my ability to perform at work and to rest at home. Totally predatory and non helpful, this is not the first time this company has been in trouble for this.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TD BANK US HOLDING COMPANY (IL)

On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed XXXX hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : Td Auto Fina, XXXX XXXX I, XXXX XXXX, XXXX  XXXX, and XXXX XXXX.