davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the XXXX XXXX laws, which require accurate and fair reporting of credit information. 

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : XXXX. A Firm Offer of Credit XXXX. Insurance XXXX. An Application for Employment XXXX. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : 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
Consumer complaint received 2022-04-29
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. (PA)

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau and XXXX XXXX XXXX are double reporting a debt. I recently looked at my credit and noticed this debt reporting on my credit file. This is a violation under the FCRA and this must be fixed immediately.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There is an old XXXX XXXX account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of XXXX, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is Portfolio Recovery, they're reporting this debt to XXXX  and XXXX.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2020 I sent a letter to Mr. Cooper asking them some questions, I received a response that I will get a response to my letter by XX/XX/XXXX, I haven't received any response yet. 

These were the questions asked -. I also want to know in Three days what Kind of Loan I have? Is it - 1.XXXX XXXX or 2. XXXX XXXX or 3. FHA or 4. VA or 5. USDA loan? 
Clearly mention what kind of a loan I have? 

B.Who owns my Loan? 

C. What Mortgage relief remedies are available to me if I am suffering loss of income due to Corona Virus Shut Down? 

D. What can I do in order to get Mortgage relief, what are my options under your available plans? 


Secondly, I received a letter yesterday that I can stop my Covid 19 forbearance and do a loan modification, I tried reaching someone on the phone number today at XXXX, but there was no response.
Consumer complaint received 2021-10-26
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. (MI)

I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  mortgage and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of transunion XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from XXXX XXXX ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OR)

I am having trouble with getting this account off of my credit. I believe there was a mistake with an account that I had previously with XXXX XXXX. I purchased a comforter for about XXXX. At the time I was going to buy a computer desk, and book case. I cancelled everything but the comforter. I paid off the comforter already. There is this balance for XXXX, which should not be on my credit. I have written XXXX XXXX several times to obtain any paperwork to validate and show the errors, however there has not been any forthcoming information. I want them to remove it right away, because it is interfering with my credit score and rating. 

Enclosed is the last letter that I sent to XXXX XXXX. 

Thank you
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC (PA)

Arcadia Recovery Bureau keeps calling me and leaving messages despite nothing being owed to them and nothing in collections on my credit report, they won't tell me what the collection is for because I refuse to give them my personal information to verify. They called me again at XXXX so I called them back and the first rep I spoke to said that they didn't call me today and as I was telling them I don't want any additional contact or I would report them, she hung up me midsentence.
Consumer complaint received 2020-06-02
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: U.S. BANCORP (AZ)

Travel ID # XXXX. I cancelled this XXXX XXXX reservation and instead of the points being added back to my account, which is the proper most transparent thing to do, US BANK is giving me a credit of {$400.00}. The problem is you can't easily book another airline ticket on your own on their website. 

You are forced to call in to use your credit and the hold times are 2+hours. I have been trying to reach them for 3 days to rebook the trip. 

This credit process is broken and is a horrible customer experience. 

I still can't get anyone to help me to rebook a flight that I need soon.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After bank of America changed online access security ; I attempted to pay my monthly statement online. And, I was not able to access the account online. I called Bank of America to pay the monthly minimum, when the agent informed my social security number did not match what Bank of America had on file. I informed the agent the number I was giving the agent was correct. However, the agent informed he was unable to accept the payment. The agent informed I would need to download a form from the website and send the completed form to Bank of America. I also went to a branch to pay my account. However, I was told the account could not be retrieved with the social security I presented. I completed the recommended forms twice. Currently, Bank of America is assessing the account late fees, over-the-limit fees. This situation has been going on since XX/XX/2017. Now, I am receiving letters from Bank of America threatening to charge off the account. And, Bank of America has submitted negative credit reports to the credit bureaus.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a collection account from first credit services for a membership I did not sign up for from a company called XXXX  XXXX. I requested for a contract from the company & they were unable to provide it Please remove all fraudulent collection accounts from my credit report
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

my accounts with capital one were on auto pay in XX/XX/XXXX XXXX XXXX and XXXX of XXXX i have late payments on my report there was an issue with the payment processing and i reached out to the company to have the issue corrected these late payments are negatively impacting my ability to get a mortgage or an apartment
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NC)

I was in debt and having a hard time paying it off. I hired XXXX  XXXX XXXX ( DEBT RESOLUTION ) to help me. They contact my debtors and work out a settlement, in the meantime they set me up on a payment plan they drafted from my account. They supposedly received a settlement agreement from one large credit card I had. This turned out to be untrue because as of right now that credit card was charged off!!!! The settlement was for 12 months. Global Client Solutions were the ones who were collecting the payments. When I questioned the company I was told to never call there again! That I had to contact Customer serviceXXXX if I wanted any help. So I did and had a nice lady who helped me. But I was still questioning why I couldn't get online and see my account. 
Then I started getting calls from XXXX XXXX  XXXX telling me that I qualify for a loan to pay off all my debt. They contacted me for 2 years. After 19 months, I figured that my big debt HAD to be paid off. I found out 2 days ago that it wasn't.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is refusing to give me my money. $ XXXX check for XXXX XXXX  . 
I went to the bank and deposited a stimulus check with my brother 's name with Valid ID and VALID POA and the bank took a copy of my ID and made a copy of my POA I was told by a Manager of Capital One to go to the branch and that I can only deposit but Not cash the check.. I did that. Capital One then put a hold on All of my accounts and frozen all of my money.. I had to fuss with them to release my money .. I've never done any fraud with banking accounts. By Capital One holding my money it has caused me to be in a hardship and I've been ill lately and i need those funds. I have told Everyone how i've had Capital One and no issues Until Now .. While in the lobby @ the XXXX location I informed this is the normal for I want the bank to give me my money ASAP. $ and a forma l apology. Capital One. They could have denied my check now they are refusing to give me the check or my money.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Since the death of my mother-in-law and tenant-in-common on the subject property, I have attempted to assert my rights as survivor-in-interest with the mortgage servicer ( XXXX, XXXX XXXX and now Rushmore Loan Management Services ). I have provided a copy of the Grant Deed granting me a 50 % interest ( in XXXX ), a copy of her death certificate ( XXXX ), and proof that the subject property has been my principal residence ( since XXXX ). Additionally, I have made every single payment to all three loan servicers since XXXX. 

Successors in interest to property secured by mortgage loans covered by the Real Estate Settlement Procedures Act ( RESPA ) and the Truth In Lending Act ( TILA ) are guaranteed certain rights as part of the Consumer Financial Protection Bureaus XXXX Mortgage Servicing Rule amendments to RESPA and TILA. A successor in interest is a borrower for purposes of RESPAs mortgage servicing rules and 12 C.F.R. 1024.17 and a consumer for TILAs mortgage servicing rules. 12 C.F.R 1024.30 ( d ) and 1026.2 ( 11 ). Successors in interest are entitled to the same rights as the original borrower. 

Rushmore is refusing to accept payments from me ( or the 2nd TD  holder ) even though under the California Civil Code, 2nd TD holders have the right to bring the first current which was current until Rushmore returned the XX/XX/XXXX payment. 

Rushmore 's actions are being taken with the expressed intent of forcing the property into foreclosure.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

I have no idea how much I owe on a vehicle that I purchased in XX/XX/XXXX because Santander has never sent me what I would be exactly paying on my car with finance charges. I purchase the vehicle on XX/XX/XXXX for {$16000.00} before interest which is supposedly 16.95 % but I never signed anything to that effect. I can't get the company to send me a statement or allow me to access it online. I have requested a password to go online but site is still not accepting it. I have requested a breakdown of the balance due and was told my interest calculates daily so they have no way of giving me a statement of my balance. I have been paying Santander Consumer USA on this vehicle since XX/XX/XXXX payments of {$350.00} and yes due to medical, personal and job loss problems the payments where not made on time. When I went back to work in XX/XX/XXXX the balance was {$10000.00} and I started making large payments to date I have paid {$4800.00} but yet the payoff balance as of today XX/XX/XXXX is {$6100.00} up {$17.00} from XX/XX/XXXX when the payoff amount was {$6100.00}. I don't understand how I can possibly still owe {$6100.00} on a vehicle that I have been paying on for 6 years. I made a payment of {$950.00} on XX/XX/XXXX and the  payoff amount was {$7400.00} and when I made a payment of {$600.00} on XX/XX/XXXX the payoff amount was {$7500.00} up {$120.00} in a month. At this rate I will never pay this vehicle off because my payment is not decreasing it is steady increasing day by day. I will continue to make large payments to try and have this account paid by XX/XX/XXXX, not by XX/XX/XXXX like they are saying.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have been receiving up to two calls a day from Portfolio Recovery Services. The numbers are automatically blocked by XXXX. The company does not call back through the XXXX response process and when I call the number to ask them to stop calling, I am asked to provide either my social security number or an account number. I won't provide my social security number and I don't have an account. I have checked my credit report and my husbands and there are no debts reported. I haven't received any written communication from this company.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

i have several accounts on my transunion report that are identity theft. 
XXXX XXXX acct # XXXX balance of {$7200.00} last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance of {$380.00} last reported XX/XX/XXXXXXXX XXXX XXXX acct XXXX {$1200.00} XXXX XXXX acct XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX acctno XXXX {$400.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

I have a mortgage through XXXX. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, XXXX stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on my FICA score because this account shows as closed rather than being open, current, and never late. 

I've tried to get XXXX to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to XXXX about the discharge and yet, XXXX continues to refuse to report this activity. 

This is creating obvious issues with FICA scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?