davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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: Maximus Federal Services, Inc. (OH)

XXXX is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that XXXX has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Pursuant to 15 USC 1681a ( 4 ) XXXX didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) XXXX violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did. 

Pursuant to 15USC1681b ( 2 ) XXXX violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT. 

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

Violation of Fair Credit Report Act. Section 604. Equifax reports shows a chargeoff account for Macys. The report states that the account was opened XX/XX/XXXX and closed XX/XX/XXXX which is a total of 12 months and 3 days. 

Reports states that the account has been reviewed for 72 months, which would be a total of 6 years and 8 months. This is obliviously impossible since 72 months is 5 years and 7 months longer then the account was open.
Consumer complaint received 2022-09-06
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)

I received a letter from XXXX XXXX, XXXX stating they were furnishing inaccurate information on my XXXX Report. After identifying this fraud, I was informed by XXXX XXXXXXXX, NA that they would be sending a request to the Consumer Reporting Agencies to have this inaccurate information removed. However, it has been over XXXX XXXX and this negative, inaccurate information is being furnished. I contacted the XXXX XXXX Agencies and was informed that they never received the deletion letter. XXXX XXXX, XXXX is continuing to ruin my financial reputation and shall be fined {$1000.00} per day upon receipt of this notice for willful and negligent noncompliance pursuant to 15 U.S.C 1681n and 15 U.S.C. 1681o.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AZ)

I contacted Jefferson Capital, I'm trying to pay off and on a debt. I was given an option to submit a " one time payment '', if I couldn't pay the above options and others. My account on the website allowed me to submit a lesser amount. I contacted Jefferson Capital to verify the option and they would not answer or confirm the accuracy of that option however it was offered to settle the debt with my own personal offer. The agent insisted I choose the other options ( higher amounts ). The agent was trying to justify and explain but he wasn't making any sense of the option. I felt he was trying to confuse me and con me into paying the other higher amounts. I told the agent I would call back, moments later, Jefferson Capitol locked me out of my account and the message said " my account in ineligible for web service '', only calling was an option. This is deceptive and unfair, now they are not allowing me to log in and view my account to make a payment. They do not want me choosing the lesser amount option and I feel they may alter my account. 

I took screen shots of my account and the options.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX there were fraudulent charges made against my account. These charges originated overseas ( XXXX ), and so I was charged a foreign transaction fee. 

On XX/XX/XXXX I noticed the fraudulent activities and disputed the charges. On XX/XX/XXXX the disputes were marked resolved and the funds credited to my account. 

The foreign transaction fee has not been credited to my account. There is no means for me to dispute the fee ( not that I should have to ). 

Customer service has consistently been of no help, and their promises of pending credits have never come to fruition.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been XXXX since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-06
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. (OH)

There are no accounts tied to any of these inquiries. If they are a matter of factual record I would have a account listed on my report. I have requested and disputed all of these unauthorized inquiries so many times I lost count. There have been countless CFPB Complaints field and yet not a single item has been corrected. I contacted each credit that reported the information and they ALL stated they never received a request to verify any item. Therefore the credit reporting company is verifying these inquiries with some alternate furnishers.
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have contacted Equifax numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I called Transunion 's customer service dept about inquiries that had been on my Transunion file. These inquiries were deleted and later reinserted without prior notification. TransUnion customer service would n't take care of it. 

Section 6:11 of the Fair Credit Reporting Act that states anything that is deleted from your credit report and reinserted, the consumer is given a 5 day notification after that item is reinserted. I never received any notification from TransUnion regarding the reinsertion and yet they refuse to remove the inquiries listed below. 
I would like these items to be removed immediately because they have violated my rights under the Fair Credit Reporting ACT. 

XXXX XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX Thank You, XXXX
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''
Consumer complaint received 2020-06-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through  audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2019-02-26
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: CITIBANK, N.A. (CA)

I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.
Consumer complaint received 2022-09-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Consumer complaint received 2023-04-14
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. (CA)

THE FAIR CREDIT REPORTING AT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 SECTION 6 602 EIGHT STATES THAT HAVE THE RIGHT OF PRIVACY ALSO 15 USC 1681 SECTION 604 A SECTION TWO I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH THE ACCOUNT WITHOUT MIGRRANT INSTRUCTIONS USC 1681 C85 SECTION STATES NO CONSUMER REPORTED HD MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IMFORMATION AND OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF PROBATION OR CRIMES WHICH ANTI- DATE THE REPORT BY MORE THAN SEVEN YEARS RIGHTS 1.ACC NAME, ( XXXX XXXX XXXX XXXX ACCT # XXXX DATE XX/XX/XXXX ) XXXX XXXX NAME, ( XXXX XXXX XXXX XXXX ) ACCT # XXXX DATE XX/XX/XXXX ) AMMOUNT PAID AND CLOSE
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HILLTOP HOLDINGS, INC (HI)

XXXX XXXX, my loan officer, said I needed to pay off my lease. I paid it off, but then she calls me on XX/XX/2020 saying I can not qualify for the loan because leases are not accepted by XXXX XXXX. 

I asked for the verbiage from XXXX XXXX, she did not give it. I asked to speak to her manager, she did not let me speak to her manager. 

She is guilty of at least incompetence, maybe outright fraud. 

I am out all the time I spent getting prepared to buy this property, including selling stock, paying for an inspection, driving and viewing the property, etc.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I first applied for my free reports in XXXX XXXX through the govt website and was denied by the credit bureau. Trans Union stated that my information was inadequate and illegible. I thought your website was better than that and I 've filled out many on line forms for govt use and have never heard this excuse before. I have heard from attorney seminars that this is a common practice designed to obtain information to build their files so they can unfairly profit from others. They requested that I send them certain information so they can find my file ( my file has been on file since the early XXXX 's ) so I did and they have now replied that it is unacceptable. I have resent the same information again, 3rd time but I do n't expect my reports. Trans Union knows that I am permanently XXXX and unable to work. I rent a small room in a house and utilities are provided for me, I can not drive, I can not work and the bureau knows these things therefore requesting that I provide documents that I am unable to obtain. Furthermore, they are reporting incorrect and derogatory information about me that is preventing me from obtaining much needed specialized living accomodations. Can you help me get a report from them so I can see what erroneous information they have and are profiting from while damaging my good name. If I ca n't get adequate living accomodations I will be homeless. The place I 'm at now has mold and is being torn down soon. Thank you.
Consumer complaint received 2022-09-06
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. (IL)

Transunion : I am disputing why my credit score dropped XXXX points in XX/XX/2022 for my XXXX XXXX mortgage account upon coming out of my CARES Act Forbearance. This is unfair & detrimental to me given that my mortgage company offered me NO normal alternatives for coming out of my forbearance. Contrary to what they told me when I entered into the forbearance, they would not allow me a deferral nor a loan mod. I had to fight and escalate this matter for over XXXX YEAR to get them to take the appropriate action and now my credit has suffered as a result? XXXX XXXX has known instances on record where they do not honor normal remedies for coming out of the XXXX XXXX forbearance which has caused many of their customers to lose their homes. I am thereby requesting that this be remedied & reflected appropriately on my credit report. I do not understand why my score took such a drastic hit given that I have no late payments recorded and was able to make partial payments throughout the duration of my forbearance period. The loan XXXX was not under a federal government plan simply because XXXX XXXX would not allow it to be as such. The only reason the mortgage amount had increased by {$10000.00} was because XXXX XXXX wouldnt remedy the situation sooner. Thank you.
Consumer complaint received 2023-04-14
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: Torres Credit Services, Inc. (IL)

I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards. 

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

This is a complaint against commenity bank for the XXXX credit   card. They have charged me fees due to their predatory set-up. 
First off they do not offer automatic payments which would resolve any and all issues. 
Second their website is not reliable. Every time I try to sign in the servers are down. Also the cutoff time for payment on the due date is XXXX instead of XXXX XXXX  like every other bank. They are structured in a way to maximize the fee being charged to their customers. 
Third this late fee was assessed during the covid19 pandemic. I feel strongly that all fees should be waived during this difficult time.
Consumer complaint received 2015-05-15
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION (NV)

My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.