davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (TX)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. I am hoping that you take immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (OH)

I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.
Consumer complaint received 2024-02-20
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. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2018-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (SD)

Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.
Consumer complaint received 2024-02-20
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)

VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) XXXX IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports 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.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 8
2 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (PA)

While living with my mother in she opened an account on XX/XX/XXXX for services from XXXX for the apartment, I did not know at the time but she used my name for the account. The last payment was made in XX/XX/XXXX by her. According to the credit agency the last bill was sent on XX/XX/XXXX. 
The total amount for the bill is {$1100.00}. 

In XX/XX/XXXX we both moved out to separate locations. I do not know if she cancelled the service or not as I was not aware that it was in my name.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MO)

I have a variety of issues with US Bank and my Visa card. Main issue being their continuing to have a " pending charge '' on my card for days after the " actual charge '' posted, thereby using twice the amount of my available credit. Second complaint is their customer service staff telling me that no supervisor was available and it would take " several days '' for a supervisor to call me back. I mentioned that I felt like the hold on the card for pending charges already posted as actual charges was not fair and was something that the CFPB would be interested in. They seemed to have no knowledge of the CFPB did not escalate the call or add the call to any complaint log for review. 
A credit card issuer should be obligated to immediately delete the pending charge once the actual charge is posted. US Bank tells me they can not do that, that only the merchant can do that. That is fundamentally wrong and a fundamentally flawed system. 
I called the US Bank corporate office and they told me I could talk to their " advocacy department '' and transferred me, all I got was voice mail. I left a message, I do not expect to hear back from them. I called back to the US Bank corporate office and was told there is no one else that I can talk to other than the " advocacy department '' that I could not speak to anyone in management to voice my concerns.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have repeadedly asked Portfolio Recoveries to stop calling me on my cell phone number and to stop contacting me by phone altogether. I've requested it over the phone and I've also requested it in writing numerous times. This is a blatant violation of the TCPA and this company isn't held accountable for breaking the law. They have called me over 40 times since I requested they stop calling and it's from an automated system. 

I've also disputed and requested validation on the debt they claim I owe, they have failed to show proof and comply with the FDCPA. 

Written Requests to Stop Calling : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calls have not stopped and they call from different numbers to try and trick you and tie up my work phone so I'm not able to work ... 

Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + about 20 different numbers. All listed as Portfolio Recovery Associates I'm also on the Federal Do Not Call List!
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: DISCOVER BANK (NY)

ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (VA)

We have made 73 payments on our vehicle. The maturity date was XX/XX/XXXX.  This company is telling us that we still owe XXXX more dollars and sent us a new contract to lower our payments and pay on our vehicle for 2 more years. This company is a predatory lender and are trying to take advantage of us. We are senior citizens and live on a fixed income. We were so looking forward to getting our vehicle paid off in XX/XX/XXXX of this year. Please help us.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

I am following up to my complaint # XXXX. This complaint was not resolved by Wells Fargo. A letter was sent to you stating they resolved this matter. They did not. I was not provided a copy of the Hold Harmless/Indemnification form that was sent to XXXX XXXX. No explanation was provided as to why XXXX needed this form, who it was sent to, when it was sent, and what happened to my recalled wire transfer. The letter was signed " XXXX XXXX '' from Wells Fargo. This person does not have an extension when contacting the number provided on the letter. Please do not close this complaint, as it is not resolved.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2016-08-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about it.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2020 I was victim of identity theft with my car being vandalized by unknown individuals who broke the passenger 's seat window ( the one at the back of driver 's seat ) and stole my wallet and other valuable items ( including a XXXX XXXX ). The incident happened at the parking lot of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA XXXX US ) when I was on duty inside the XXXX 's facility between the time I parked the car XXXXXXXX XXXX and my break time XXXX ' XXXX  when I came out of the building. The stollen wallet had everything about me in it ( driver 's licence, XXXX XXXX, SSN card, credit/debit cards, some bank accounts membership card as well as other information XXXX medical insurance card, etc. ). 

While filling out a police incident report with XXXX 's management staff, a couple of hours following the incident, they thieves started making both online and in-store purchases using mostly credit cards. They went up to compromise two of my bank accounts I do have, the one with the Bank of America ( personal account ) and the joint account with XXXX XXXX. They initiated fraudulent funds depots into my Bank of America account and a wired money transfert to my XXXX XXXX joint account ( fortunately this transaction failed ) as XXXX XXXX was able to block it. 

However, as per the attachments the fraudulent depots did into my Bank Of America personal account went through, the bank delayed to stop them in timely manner. This caused my account to run into a negative balance of about - {$3500.00} that the bank want me pay until now while I was supposed to have nearly $ XXXX if the fraudulent depots did not occur. 

Actually, while closing the affected account the bank allowed me to open up a new account but it has not refunded what was supposed to reflect into the old account ( $ XXXX ) prior the fraudulent depots of {$8700.00} ( see attachments ). Their investigations are just taking a too long!!! I have already explained them multiple times that I was not responsible of what happened, that scammers are behind those inconveniences. 

Therefore, I urge the Bank of America to acknowledge my right and refund me my money as well as remove any accountability on me from everything did by the scammers/thieves. I currently struggle from identity recovery so I don't wish to run into additional pressure.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

The account with XXXX XXXX XXXX, acct. # XXXX was opened on XX/XX/XXXX of XXXX. The company is reporting it as opened on XX/XX/XXXX. This is an incorrect reporting detail. 


In addition, the vehicle was repossessed in XXXX of XXXX. It was then charged off in XXXX of XXXX. The finance company reports that the last payment was made on XXXX, XXXX. This is a second reporting detail that is inaccurate. 

The third issue is that there is reporting of a missed payment in one section of the credit reporting, yet on another section it says that I've been on time with the payments 100 % of the time. 

Last, this account has been reported as open, then closed, and now open with a missed payment again.
Consumer complaint received 2021-02-08
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. (MI)

My credit score increased on XX/XX/2021 by 4 points.Three days later my credit score decreased by 7 points.On XX/XX/2021, my credit score again decreased by 4 points.When I go online to check why my score decreased, your experian website does not give me any information why score decreased.The only thing experian does, it suggest to use credit boost.I find this very suspicious.Its like experian is lowering my credit score purposely to use credit boost.Recently, XXXX credit card was deleted from all my credit reports after seeking a attorney.My credit score increased with XXXX  and XXXX  after XXXX trade line was deleted from the report but with Experian, my credit score decreased when XXXX tradeline was deleted.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KS)

XX/XX/XXXX XXXX $ Original creditor name : XXXX XXXX XXXX Placed for collections XXXX XXXX XXXX I have never had XXXX XXXX XXXX I contacted XXXX XXXX systems and they ask for my social I did not give it to them I gave them basic info and they said based on the info givin they was not able to pull it up. 
I found out about the collections on XXXX XXXX
Consumer complaint received 2018-03-27
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. (CA)

I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH EQUIFAX, TRANSUNION OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE XXXX  ME OUT.
Consumer complaint received 2024-02-20
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (GA)

AmeriCredit XXXX XXXX doing business as XXXX XXXX took me to court. The case ruled in my favor, I do n't owe anything! However, they are still on my credit report showing I still owe them. The courts have ruled back in XXXX XXXX XXXX that I do not owe anything. They are reporting incorrect information on my credit report.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020, Capital One, notified XXXX XXXX, that it again hired Debt Collector, XXXX, XXXX, and XXXX, to make allegations Mr. XXXX defaulted on a credit card for a second time. On XX/XX/2020, XXXX XXXX, faxed a debt validation notice to XXXX, XXXX, and XXXX, to provide verification of the debt within a 30 period without contact under the Fair Credit Act. On XX/XX/2020, Capital One, contacted Mr. XXXX, via automated E-MAIL, during the 30 day validation period, in violation.