davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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. (NJ)

Recently I've looked over a copy of my consumer report and noticed both accounts and information thats either inaccurate or doesnt belong to me. Ive then reached out to the creditors thats reporting these accounts and asked them to verify any debt. The creditors havent reached out to me with a response, nor did they provide any documentation that verifies this debt. How can they report a debt if they cant verify that it belongs to me? By them purchasing my personal information and sharing it to a third party without my consent is a violation of my right to privacy. I am asking Transunion to thoroughly investigate my dispute letter and remove anything that isnt accurate or verifiable. I know that it is their duty to do whats fair and equitable for me as a consumer and report the most accurate information possible. I am aware that Transunion must be compliant with all the laws governing consumer rights that they agreed to. The inaccurate information and accounts thats reporting on my consumer report is impeding my ability to obtain financial services or relationships with any potential lender. Included in my complaint is a copy of my consumer report containing the inaccurate information that I asked Transunion to block and remove from my consumer report in which this information is both inaccurate and doesnt belong to me. 



Violations committed by Transunion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

Re : XXXX XXXX XXXX, SS # XXXX, XXXX XXXX XXXX, XXXX, MA XXXX : XXXX Second Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Satisfaction and Discharge of Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX for Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Whom It May Concern : This complaint and attached documentation is to prove the Expiration of the Statute of Limitations, inaccurate, fraudulent Charge Off credit reporting, and denial of credit and selling of HBSC account to XXXX XXXX XXXX as Statute of Limitations has expired for the above referenced XXXX XXXX XXXX. 

HBSC did not accurately report payment history of accounts and I request the information be removed from Credit Reporting agencies. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I submitted a request for a payoff statement from my current mortgage company ( Seterus ) on XXXX XXXX. I am refinancing my home I have submitted many request as did the bank that I am refinancing with, We sent both email and faxed requests and I called and spoke to one of the managers but they do n't seem to want to cooperate.I 'm told when I ask that they are backed up sending faxes and emails. This is causing me a significant financial burden. 
When Seterus took over iur mortgage from XXXX we were in Chapter XXXX ( our mortgage was not included ) Seterus rated our loan incorrectly and that needs to be corrected as well. They insist that does n't make a difference but the bank we are refinancing through disagrees.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " XXXX XXXX XXXX XXXX '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX XXXX XXXX, this time that " XXXX XXXX XXXX XXXX '' was reporting a delinquency of {$4500.00}, and this time they also reported it to Experian, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with Experian, and sent an email to XXXX disputing this debt. Experian took it up with XXXX, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

Experian noted on my credit report that I state I have no knowledge of XXXX, but they refuse to drop the delinquency because XXXX calls it valid.
Consumer complaint received 2024-02-15
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. (IL)

According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

- Recently paid down large amount ( {$5000.00} ) on Bank of America credit card balance for an upcoming international trip ( XX/XX/2023 ) - Tried to use the card after the funds had posted ( XX/XX/2023 ) and noticed transactions being declined despite expectation that there should be plenty of credit available. 
- Looked at account ( XX/XX/2023 ) and noticed the available credit was reduced after my payment posted. 
- There was no alert or notification before, during, or after the payment indicating that there was an issue and my credit available would be reduced. 
- Called Bank of America on XX/XX/2023 to discuss what the issue was. 
XXXX Bank of America noted that due to a previous amount that had gone over the limit, once this payment posted they automatically dropped my limit down to exactly the amount I had paid down to as of XX/XX/2023. I asked if I make additional payments on the card will the credit amount continue to be reduced to which they were not willing to share and could not tell ; effectively rendering the card useless since as I make payments, the open credit will continue to disappear. 
- The transaction in question was a charge by XXXX for which the amount was well beyond my rental agreement and knowing that the amount was excessive and beyond the limit of my credit card I did not expect the transaction to successfully be charged to my Bank of America credit card and informed XXXX at the time that " I do not approve this transaction. '' However, XXXX charged the Bank of America card anyway against my request and the unauthorized transaction for {$2300.00} successfully went through, pushing my Bank of America Card over its limit. 
- On my call with Bank of America on XX/XX/2023 they indicated that XXXX would have put a pre-approved amount larger than the charged amount on the card and that is why it was able to go through as a successful transaction. 
- First, the rental car was prepaid ( XXXX Euro ), and second my XXXX rental agreement, which I re-confirmed with XXXX on XX/XX/2023, notes that a hold on the credit card would be for the estimated rental cost + approximately XXXX Euros, or in this case XXXX, or XXXX Euro. 
XXXX Bank of America on the call on XX/XX/2023 indicated the only way to change the credit limit back was for me to apply for an increase in my credit limit ( with the same bad information ) which surprisingly was instantly rejected. 
XXXX Bank of America allowed an unauthorized transaction well above my credit limit for which there was not pre-authorization, then used the overage to reduce my credit limit also damaging my credit score as now rather than showing credit available, the limit was dropped to the balance amount effectively reducing it to no credit available.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (TX)

I am in receipt of my most recent credit report. There is a card that is being reported as an authorized user that is not my account. I request that this account be removed from my credit report. The account is XXXX BANK XXXX XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (LA)

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

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with zero balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.
Consumer complaint received 2020-10-16
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I got a {$120.00} fraudulent charge from XXXX on my Apple card from Goldman Sachs. I reported the charge immediately and the charge was reversed. They changed my card number and I didn't think twice about it. 

Then, on XX/XX/XXXX at XXXX PST my XXXX XXXX was compromised by a phishing scam. My credit card, the Apple Card by Goldman Sachs, also became compromised in this process. I lost ability to use the card as soon as I reported the fraud and was told multiple that I couldn't close the credit card because the account was under  investigation. On XX/XX/XXXX, somehow the person who hacked my account was able to make an additional fraudulent {$4500.00} purchase at a jeweler in XXXX ( I live in XXXX  ). Apple Card support  could not provide a reason that this person was able to use the account that I was told over and over again had been " frozen '' since my XXXX XXXX  was hacked at the end of XXXX. 

Whoever hacked my XXXX XXXX account changed the email address and phone number associated with the account so I wouldn't be able to use the two factor authentification system to recover my account. Since the account is under investigation, XXXX XXXX at Goldman Sachs won't let me change the contact email address or phone number on the credit card account back to my contact information, which means they keep emailing the hacker my credit  card statements every month, which is a violation of my privacy. 

Every time I speak with someone from Goldman Sachs they tell me that they will reach out to a supervisor and make a note on my account to stop emailing my hacker, but every time I call and follow up none of those things have been done and my credit card statements are still being sent to the person who hacked my account. My account has now been " frozen '' and " under investigation '' for almost 5 month, accruing more fraudulent charges, and I'm unable to close the account. I've spent hours and hours on the phone with XXXX XXXX  and Goldman Sachs customer service and no one can explain why there isn't a better solution than me calling once a month and waiting for the account to stop being under investigation.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collection Service, Inc. (OR)

In XXXX, XXXX, I received a notice from Columbia Collection Service. On XXXX XXXX, XXXX, I responded with a dispute requesting proof. On XXXX XXXX, XXXX I received a second letter still attempting to collect, without having received any proof. I wrote a second letter notifying them the debt is disputed and to provide proof. On XXXX XXXX, XXXX I received a 10 day notice to pay with the underlying tone they were planning to sue for the disputed amount. I sent a certified letter reiterating that the debt is disputed and proof had not been received. On XXXX XXXX, XXXX, I was served with a small claims suit. At no point has the agency provided the required documentation.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$11000.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Consumer complaint received 2024-02-08
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. (TX)

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 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION (CA)

I received an invitation to apply for a XXXX credit card from BBVA Compass Bank and went ahead and applied online ( application ID : XXXX ) my application stayed pending for over a month and during this time I received false information from more than 10 people in customer service about the application being pending credit review. After a long period I spoke to someone who claims to be a supervisor ( XXXX XXXX ) but he was rude, not helpful and had no power or authority to demonstrate that he is a read supervisor. He told me that the bank won't approve me because I am not a XXXX XXXX which is a total discrimination based on Citizenship and Country of Origin. I told him if that's how the bank evaluates potential customers why did they send me an offer in the mail to apply for credit card even though I am a citizen to which he never had a good answer and then he started blaming me for applying online even though the letter says that I can apply online, in branch or by the phone. Federal credit regulations state that when a bank solicits a customer through mail to apply for a credit card their offer must be firm, legit and final approval is subject to CREDIT approval not citizenship status. If this bank made me an offer they were never going to honor it even if my credit was perfect because they are discriminating against people who are not citizens which means that the offer was not legit, illegal and against federal regulation. I asked if they are willing to remove the inquiry and he refused and told me to go contact the credit bureau. I read the offer letter again and not a single word says anything about being a XXXX XXXX before applying. Later I received a letter in the mail stating that they won't approve me because of fraud risk which is a complete joke because I tried to work with them and submitted verification documents including my social security card and state ID and even went to a branch in person to resolve the issue but no one wants to help. I was treated unfairly by this unprofessional bank and it's useless customer service team and I expect CFPB to protect me and my rights from this whole encounter. Attached are all the pages from the offer letter and the denial joke letter.
Consumer complaint received 2024-03-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

I have been with the same mortgage company for over 7 years and have never missed a payment or paid late. My payment history is 100 % excellent for my mortgage and all other accounts. I never received a statement in the mail or electronically for XX/XX/year> from LoanCare. I am set up to receive mail and electronic communication with Loancare and nothing on my account as far as contact information has recently changed. XX/XX/year> I did not receive one form of communication from the lender that my payment was not posted to my account. On XX/XX/year> I received an email from XXXX that one of my accounts on my credit report was past due. I immediately researched this via XXXX to find that my XX/XX/year> mortgage payment was never posted to my account. Double checking all of my emails and mail to find not one correspondence from LoanCare that my payment was due or even past due. I logged in online to Loancare 's website only to see that the website and platform is totally different making the borrower use XXXX separate websites to even make a payment or see information. I immediately posted the " past due '' payment & requested the late fee & negative reporting to my credit report be removed. Loancare removed the late fee and told me they couldn't remove the negative on my credit. I believe they had a system update and internal error causing my payment to not post to my account. I am asking this negative remark to be removed from my credit report as this was not MY fault but LoanCare and their negligence causing the consumer to suffer the consequences resulting in a decrease of credit score XXXX points! My credit score has always been in the high XXXX and this is unacceptable to do to someone that prides themselves with their credit and paying ontime.