davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Accounts, 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 an account without my written instructions. 

XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXXXXXX ( XXXX )
Consumer complaint received 2022-01-06
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. (OK)

I received notice through XXXXXXXX, provided to me by XXXX since I am a XXXX XXXX XXXX  and my personal information was compromised through XXXX  or XXXX, that two fraudulent credit inquiries had been submitted to Transunion using my personal information on XXXX XX/XX/2021, from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I called both those banks and was able to ensure that no credit cards or bank accounts were opened based on the fraudulent information. On XXXX XX/XX/2021, I went online and established an account with Transunion but their dispute page did not allow online dispute of these inquiries and instead stated I would need to call. I called XXXX and after 30 minutes of holding, was advised by an agent who spoke very poor English that these fraudulent inquiries would not be removed from my credit report or my credit score unless I submitted documentation through the mail. There is no such documentation, and mailing documents represents an undue burden on the citizen and taxpayer. On the same date, XXXX was able to remove similar fraudulent inquiries reported to me via XXXXXXXX using only information provided over the phone. The XXXX process to reach a human representative was also much more straightforward. I request that the CFPB place sanctions and civil financial penalties on Transunion to discourage ongoing anti-consumer behavior of this type.
Consumer complaint received 2017-11-29
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. (PA)

Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NH)

XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine  office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (OK)

XXXX IS TRYING TO COLLECT A DEPT FOR XXXX XXXX  THAT IS NOT OWED. I HAVE N'T HAD SERVICE WITH XXXX FOR TWO YEARS AND ACCOUNT WAS PAID IN FULL AT TIME OF DISCONNECT. THEY HAVE REFUSED OR ARE UNABLE TO PRODUCE ANYTHING SHOWING WHY DEBT IS OWED, BUT THEY ARE STILL TRYING TO COLLECT. 

I KNOW THIS DEBT IS NOT OWED AND HAVE MADE SIX PHONE CALLS TO XXXX TRYING TO RESOLVE IT, IT APPEARS IT 'S AN ERROR IN THEIR SYSTEM AND WHEN I TALKED TO THE PEOPLE AT XXXX AS THEIR CUSTOMER SERVICE REPS WOULD SEE THE ERROR THEY WOULD PASS ME OFF ( THEY DID N'T KNOW HOW, COULDN't OR WOULD N'T FIX THE PROBLEM ) NOW IT 'S IN COLLECTIONS AND IT 'S BEING PERSUED AND IT 'S UNACCEPTABLE. 

REF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts were opened by my ex wife. I have requested anything from all the listed creditors with my signature on them and they have not been able to provide them because they dont have any. Please help me.
Consumer complaint received 2018-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC PACIFIC MORTGAGE CORP (NJ)

It has been five years plus since 2012 that I have been trying to get my escrow back from XXXX when they sold my mortgage to XXXX which violated my consumer rights ( letter to Insurance company to change the Mortgagor to XXXX ). Attached is a copy of the check.
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2017, I visited a gas station merchant, XXXX, whom I frequent to purchase gas. I always use my debit card w/PIN number to do so. On this occasion, the point of sale did not process, so I decided to try another pump and yet again, the point of sale did not process. I asked the attendant inside if there was a problem with the pump and that person indicated that he was n't aware of such. I then attempted to use another ( 3rd ) pump but again, no luck. I immediately contacted my bank via phone to determine the problem. The bank rep I spoke to advised that the gas merchant had placed FIVE holds on my account for each transaction, attempted or otherwise, in the amount of {$91.00} dollars. Yet, I explained that while that has not happened in the past and if even so in this case, I had the funds on hand well over the amount of {$91.00}, so why is the transaction not being process. I was then advised that since I made three attempts in addition to two other holds the merchant had on my account, totaling five, my account was now in a negative balance. I was completely frustrated and to no resolved could I get the bank rep to understand that this hardship should not have occurred since my account had the available funds. On XX/XX/2017, ( today ), I decided to investigate this issue further and found that by all accounts on-line, when a consumer uses a debit card with a PIN-number, a hold is not placed, or should not be placed on the consumer 's account since the transaction is immediate. Based on other reports, the instance where a hold is placed, the funds are made available within the hour since a PIN-number is used. Moreover, by all reports, the merchant is not responsible for holding up your funds, the merchant ONLY SETS the amount to be held. Thus, it is the bank that HOLDS the consumer 's funds. Thus, I immediately contacted my bank again to voice my concerns for their FAULT at withholding my funds and to vent my frustration as to why the bank did not allow my point of sale for the gas to process. I was met with resistance for resolve and even after speaking with a so-called supervisor, who YELLED at me, while no less agreeing with me that it was the bank 's fault, I am still left with frustration. I have also incurred an overdraft fee on my saving account in the amount of {$2.00}, along with the held-up funds of {$430.00} dollars, all of which I demanded be released and credited to my account expeditiously. I feel that I have a right to such, since the bank is clearly blaming the merchant and faulting me. Moreover, I had available funds to cover my costs and should not have even been subject to the pre-authorization hold since I ALWAYS use a PIN-number with my debit card. PLEASE intervene here and help me to resolve this issue forthwith.
Consumer complaint received 2017-11-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.

It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact. 
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I called XXXX XXXX  to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was Equifax that they didnt report that amount. When my dispute was completed with Equifax it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX XXXX  XXXXXXXX XXXX on XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Consumer complaint received 2021-09-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Experian has received an official identity theft affidavit and I am uploading this as well for XXXX XXXX to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given XXXX XXXX the police report numbers from the XXXX XXXX XXXX police department reportXXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. Experian has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and Experian for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (GA)

A few months ago, I received several letters of notice from XXXX XXXX XXXX to my address with another person 's name ; each one I returned with - no such person at this address. Shortly thereafter, I began receiving phone calls from XXXX XXXX and Sunshine collections. Sometimes they leave a voice mail, sometimes not, but I receive between 7-12 calls per week. *** I have checked my credit report and verified that I have no outstanding debts listed. *** I am the XXXX for the Estate of XXXX XXXX XXXX, deceased XX/XX/2021, so these two creditors may be calling regarding his past due accounts, but they do not give me any information, other than a recording to call them back. Based on what little information I have, I believe the below are the accurate links to each company 's profile on the XXXX  website. 

Sunshine ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX )
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC (CA)

Notice of billing error ( XXXX XXXX XXXX ) Was sent of to West Lake Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of 7 CFR on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. 
they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

When I first moved out the apartment, went to court and all. They stated they could not put this on my credit due to the fact it was sealed and didn't owe. If I owed them anything they would have to sue me for any wages. When I moved out I have statements that I owed nothing. I have sent information to the Fair collections and out I have explained, sent documents. The other 2 bureaus have removed it. I have a letter stated they updated the amount to XXXX and yet they will not remove it from my credit. How can they continue to sell my information without my knowledge and post things on my credit without my permission. They will not listen to me at all. It's becoming harassment due to the fact they are messing up my name. I have been homeless for longer than a year. I can't get a place due to them lying on me. I have called, emailed and spoken to XXXX over and over. They are very rude and will not listen to anything that I have to say. They have updated it on paperwork but not in the system which is crazy to me. That's fraud in my eyes. They can mail me paperwork and state it's updated but not update it online. I have all my check stubs and letters from court and when I moved out. They were not supposed to post anything to my credit regarding my eviction and it's not even showing up as that and that's against the law. It's just showing up as a third party. I didn't give them permission to use my information. Court orders said when and if I owed them anything they would have to take me to court. That's not what they did. Why are my rights being taken from me and when I reach out, send information they do not reply. Fair collections and out are wrong and them charges are not true. I do not owe XXXX XXXX XXXX XXXX. I need it removed asap like I been telling them. with emails and calls. I have sent papers also and they do not respond.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( EQ , XXXX, XXXX ) XXXX  XXXX Account # : XXXX ( EQ, XXXX, XXXX ) XXXX Account # : XXXX ( EQ, XXXX  , XXXX  ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( EQ, XXXX, XXXX  )
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have a Coinbase.com account where I have a XXXX bitcoin stored ( worth around {$13000.00} at the time I am writing this ) My account has been locked on XX/XX/XXXX when I tried to log in from XXXX. I was only on a visit that time, and I did n't know this would happen. 

It is mentioned in their article that '' your access will be restored once you log in from any non-prohibited region ''. I have done that but unfortunately, my access never restored. 

I have sent them several emails to Coinbase Support since XX/XX/XXXX to resolve the matter but they replied only once saying that they investigated the issue and working with a specialist to address it properly. And I have heard nothing since then, despite repeated follow-up attempts by me ( email correspondents attached ) Case # XXXX. 

I am a XXXX XXXX XXXX resident for many years now, working in a US based company as XXXX XXXX. I traveled to XXXX for a visit as it 's my origin country, though I am not related to any XXXX group and I am not using this funds in favor of any XXXX activities. Even -if I 'm not mistaken- that the US economic sanction has been lifted from XXXX. 

I attached copies of my XXXX Resident ID card, Driving License and XXXX XXXX as a proof.