davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE (GA)

Today I received a call from my ex-husband and my mother regarding a company stating they had been trying to reach me regarding a debt. They shared that I was being processed and served for failing to pay on a debt from 2017 with Barclays card. They said that I owed them nearly {$4000.00} and their litigation team would be processing the paperwork. They said that I was contacted by an officer of the court, XXXX XXXX, and the proof that I had regarding my debts being paid in full could only be shown to a judge. They said they had been trying to reach me and that they would be sending the police to serve me at my ex-husbands house and my mothers house. When they spoke to me they continued the same lie. I told them several times that I paid it off. I called Barclays card and although they had some information that had not been pushed through on my account they fully showed that I paid the debt, they happily completed the process and also stated they they did not have XXXX XXXX contact me. They did say they the account was sent to A company called XXXX ( something ) and they in turn had sent it to XXXX. I shared that this was the second attempt at such nasty tactics and that I would reach out to the proper authorities to document this issue.
Consumer complaint received 2023-04-04
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: Kubota North America Corporation (NY)

I recently purchased a co-op apartment in XXXX. When I looked over my final closing paperwork, I noticed a lien against my name from Kubota Credit Corporation with a file date off XX/XX/XXXX and a lapse date of XX/XX/XXXX. It appears that this company is out of Texas ( XXXX XXXX XXXX XXXX TX XXXX ) and finances lawn mowers and tractors. I have never financed any such items ( I live in XXXX! ) and have no need for any such items. I believe this lien is in error or fraudulent. I contacted the company and spoke with a XXXX in the finance department at XXXX ext XXXX on Monday, XXXX XXXX. Nobody from the company could identify what this was on their end. XXXX informed me that he would look into the matter and follow up via email. He did not.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (FL)

Equifax XXXX XXXX, XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 I have not authorized these companies to run nor check my credit and it has cost me too have my score drop tremendously, I need to have these removed immediately off my credit so I am able to move forward and looking forward towards purchasing a new home but I can't due to my score that is being affected because of these hard inquiries.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was incarcerated from XXXX XXXX and was released from prison on XXXX XXXX. Upon my release, i assumed i was coming out to my money in my bank account that i had in it upon arrest, upwards to {$24000.00}. Unfortunately, when i Went back to the bank to obtain my funds, I was informed that all the money has been transferred, withdrawn from my account by an individual put that I dont know, personally, by the name of XXXX XXXX XXXX The Online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address telephone number, and email for the checking account were changed from my personal information, phone number and address and email all now or change to that associated with this XXXX XXXX  individual. When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions via USPS Mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address is save under the account. After all the money was taking out she put fake checks into my account as well witch made me negative a few XXXX dallors and got me RED flagged from every single bank. I have filed at least 3 times with XXXX to get my money back right away but i got denied. 
One last thing, when i got arrested i told my step dad that im close with if he can go to the bank and become my power of attorney just so we can watch my bank account for save keeping. 
After all this time my dad told me to contact you guys and tell you my story for help. Please look into this and if ur have any questions Ill be here to answer. Thank you for your time and i hope you can help!! 

-XXXX  XXXX
Consumer complaint received 2020-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute to Transunion on XX/XX/2020. I did not receive a response until XX/XX/2020.
Consumer complaint received 2023-04-04
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. (VA)

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-04-04
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. (NJ)

I HAVE QUITE A FEW FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT. I NEED THESE REMOVED WITHIN 4 BUSINESS DAYS. THESE INQUIRES AREN'T ATTACHED TO ME AT ALL. XXXX : XXXX XXXX, XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2022 TRANSUNION XXXX XXXX : Inquiry date XX/XX/2022 2022
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to XXXX, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to XXXX and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to XXXX, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-04
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. (CA)

There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Consumer complaint received 2022-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received this e-mail from XXXX XXXX and it upsets me that Trans Union would inform anyone or business about my personal financial status and payments without my consent. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX To : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX , you paid off an account Your TransUnion credit report shows you paid off your XXXX account. 
See where I stand Well done. This is exactly the kind of thing that will raise your credit score and get you more options in the future. 

Keep on rocking, The XXXX XXXX I not one to complain, but the sharing of ones personnal information is getting out of hand and to a business that does not need to know! 

IS the CFPB aware of this? Is there any chance that you can stop this from happning.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Numerous times I have attempted to resolve this issue with Transunion. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. Also remove the unauthorized inquiry XXXX XX/XX/XXXX PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE EVIDENCE OF LATE PAYMENTS XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX credit card {$8200.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

My Costco Anywhere Visa, Citi Card was open on XX/XX/2020, with a credit limit of {$1200.00}. My balance last week was {$830.00}, and I paid {$700.00}. I discovered the weekend of XX/XX/XXXX that CITI lowered my credit limit to {$500.00}. See the explanation giving below. 
Critical Factor ( s ) Affecting Your FICO Score : Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are essential to XXXX  Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. '' I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.
Consumer complaint received 2019-04-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ; within the complaint I questioned inconsistencies that involve my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage. On XX/XX/XXXX, the Consumer Financial Protection Bureau forwarded me a " response '' to my complaint ; this response is submitted by the Executive Office of XXXX XXXX XXXX. Attached to XXXX XXXX XXXX XXXX XX/XX/XXXX response ( as evidence ) is a copy of a XXXX XXXX XXXX, XXXX. promissory note ; this promissory note supposedly correlates with my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage ; the promissory note is not endorsed ( annexed as EXHIBIT A ). 

On XX/XX/XXXX, XXXX XXXX XXXX filed a foreclosure action ( XXXX/XXXX  ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure was subsequently dismissed on XX/XX/XXXX ( in my/Defendant 's favor ). Then, on XX/XX/XXXX, XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  filed a foreclosure action ( XXXX ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure is currently ongoing. The promissory note presented as evidence in the XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  foreclosure is endorsed in blank, signed by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B ) In the matter of XXXX XXXX XXXX, XXXX v. XXXX XXXX, case No : XXXX CA ( 11 ), XXXX XXXX Circuit Court, XXXX XXXX was deposed on XX/XX/XXXX ( annexed as EXHIBIT C ). According to the XX/XX/XXXX XXXX XXXX Deposition, XXXX XXXX testified under oath that she ( a. ) left [ was laid off from ] the Secondary Delivery Operations Department in XX/XX/XXXX ( p 52 ) when the department in XXXX closed and moved to XXXX, XXXX XXXX, ( b. ) No secondary delivery operations were going on in XXXX by the end of XXXX. ( p 64 ). 

Per the XXXX XXXX Deposition : after XX/XX/XXXX XXXX XXXX was no longer a Vice President of either XXXX XXXX XXXX or XXXX   XXXX XXXX, XXXX. As such, how can the promissory note, which XXXX XXXX  XXXX, XXXX. As Trustee for XXXX Master Participation Trust has presented as evidence for the foreclosure action ( XXXX/XXXX ), be legally endorsed in blank by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B )? Please explain this fraud.
Consumer complaint received 2023-04-04
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. (FL)

Dear Sir/Madam, I am writing to dispute the two hard inquiries on my TransUnion credit report that were made on XX/XX/, by XXXX XXXX XXXX  and XXXX  for auto financing. These inquiries were not authorized by me, and I believe they were made fraudulently. 

As a responsible borrower, I always keep track of my credit report and make sure that any inquiries made on it are legitimate. However, I was shocked to find two hard inquiries on my TransUnion report for auto financing, as I have not applied for any auto loans recently.

I have never had any business dealings with either XXXX XXXX XXXX  or XXXX and have never authorized them to check my credit report. I strongly suspect that someone has fraudulently used my personal information to apply for an auto loan, resulting in these unauthorized inquiries.

As a victim of identity theft, I urge you to take immediate action to remove these fraudulent hard inquiries from my TransUnion credit report. I am ready to provide any additional information that may be required to prove that I did not authorize these inquiries.

I have always been diligent about maintaining a good credit history, and these fraudulent hard inquiries have the potential to harm my credit score. I urge you to take swift action to investigate and remove these unauthorized inquiries so that my credit history remains untarnished. 

Thank you for your prompt attention to this matter. I look forward to a speedy resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (MD)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}
Consumer complaint received 2019-04-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

Texas law is very specific regarding the manner in which personal property ( including cars, trucks, boats, planes, televisions, washers, dryers, and other household items ) may be repossessed. A creditor or repossession company can not breach the peace when repossessing personal property. Moreover, under Texas law, a creditor is strictly liable for the actions of a repossession truck driver or repossession company for actions which breach the peace.

There was a breach of the peace situation that occurred when 2 people came to my employer. The female made a scene, Raised her voice and I ask the 2 people do not touch my vehicle. Both individuals  did not tell me who they were. MY manager even asked them to leave the premises and as I got in my vehicle they began to lift the vehicle on to the truck and snatch my car keys out of my hand. 

A breach of the peace by a tow truck driver occur because I was inside the car, caused a commotion at my employer and yelled at me at my place of employment : There are various legal claims for breach of the peace during a repossession including : Violation of the Texas Debt Collection Act Invasion of Privacy Unreasonable Collection Efforts Uniform Commercial Code Chase Auto has also reported a negative tradeline on my credit reports and I like to have it removed from every credit report because of the illegal taking of my vehicle at my employer and the creditor is liable for how the vehicle was taken from me. 

I want the negative tradelines removed from my credit reports and investigation into how the company came to my employer and repossess my car.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2019 Mr. XXXX XXXX, Senior Investigator with XXXX XXXX left me a voicemail stating that I needed to return his call immediately. When I called back to the number provided, it was XXXX XXXX XXXX, a collection agency. 

I did not think and deleted the message.
Consumer complaint received 2023-07-27
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. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.