davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (NC)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I called Citibank/Visa- Costco to inquire of their credit card protection plan. After being told that I could enroll in the program, I was transferred to another dept and was placed on hold for at least 20 min. When a person, " XXXX '', came back on the phone, I was told I can not enroll because '' they are not giving coverage any longer '', and he didn't know why. I asked to speak to a supervisor, and again was placed on hold for a very long time. XXXX '' from " XXXX XXXX '' finally came on the phone and proceeded to inform me that they, " Citibank/Visa '', had stopped offering credit card protection since XX/XX/XXXX. She said that " no reason was given '' she believed it could've been due to the " news media, complaints '', or just didn't know why. I then was transferred back to customer service dept. and asked to file a complaint against these practices. I was told that I would not be able to receive any follow up for the complaint from customer service. I explained to them that I am currently enrolled in a debt consolidation program ( including Citibank/Visa-Costco ) and needed to have some kind of credit card protection plan in place. I was told that in order to talk to their " client focus team '', I first needed to cancel my arrangement with the debt consolidation program and that I did not qualify at this time to speak to the " Hardship '' dept. 
I had also filed a consumer complaint/dispute against " XXXX '', XXXX, CA in XXXX XXXX, in regarding a " forced '' or " coerced '' purchase for {$4700.00} on my card that I did not want to make with this company/store. I filed the complaint over the phone with the customer service center. They sent me written documents informing me that I only had 10 days to get all the investigative information to them. Because of such a short window of time, I was not able to get all the info to them in the allotted time frame and so therefore I was sent a letter stating that because of little info that was provided to them, they closed the complaint and were " unable to resolve the dispute in my favor ''. When I received the final letter, I called Citibank and explained that they did not give me enough time to present the evidence for the dispute and I was given the dispute phone # to call.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank closed my checking, savings, and credit card accounts ; and refused to give me a reason why. They did not provide me with the appropriate resources or information to obtain a reason for adverse action being taken on my accounts, as required per 12 CFR 202.9.
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 status incorrect
Company: AMERICAN HONDA FINANCE CORP (LA)

A Car dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.
Consumer complaint received 2019-05-15
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. (GA)

I have been a victim of Identity Theft coming from XXXX XXXX XXXX Data Breach. The Items I have identified and highlighted on my FTC report are all fraudulent and not mine and do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

after hundreds of harassing phone calls and letters, I answered a call from them. the woman I spoke with said we could settle the debt for XXXX dollars. I would have 10 payments of XXXX dollars. So I agreed to those terms and sent my first payment of XXXX dollars. Shortly after I made my payment, I got a statement in the mail that reflected a balance of XXXX dollars which should have been XXXX dollars. So I called them to ask if they made a mistake in my balance and they replied, that is your balance. I told them THAT'S NOT WHAT WE HAD AGREED UPON!!! And they said that I had to pay that amount anyway. 
So at that point I decided that portfoilo recovery was using loan shark and Mafia tactics which I'll have no part of! If they would have stayed with our agreement, this would have been paid off already. Now they are taking me to small claims court XX/XX/2019!
Consumer complaint received 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (MD)

I return back from vacation on XX/XX/2019. I noticed there was several transactions my debit card that was unknown to me. It totaled almost {$500.00}. I called SunTrust and made a claim. The representative asked me was there any other unknown transactions. I looked back over four months and I said I did not recognize the XXXX withdrawals that was done in XX/XX/2019. 

The representative took my information and said it would take about a week to get the results. I called SunTrust and they told me the fraud was ruled in my favor but because the transactions were 60 days old by regulation they could not honor it. 
I Told them the XXXX was the only transaction that was done in XXXX. The other {$500.00} worth was done 2 to 3 weeks ago. 
They told me it didnt matter because their fraud started in XXXX. I feel that this is blatant dishonesty on the part of SunTrust and they are using a loophole to avoid giving me back my money. 

I can understand them refusing to honor the XXXX charge but the other charges were separate charges that were done in the past month.. I just need this Bureau to know the dishonest tactics that SunTrust is doing.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (PA)

On XX/XX/2020, my wife and I locked in an interest rate with Provident Funding to refinance our current mortgage. We were given a good rate and were asked to sign a bunch of disclosure documents. While going through all of the disclosure documents and signing practically every page, one document struck my eye " Affiliated Business Arrangement Disclosure Statement ''. I read through the entire document where Provident Funding claims that they have a business relationship with XXXX ( the XXXX XXXX XXXX, AKA " XXXX '' ). Neither my wife nor myself were asked to sign this disclosure, so I didn't think twice about it. 

We paid for the appraisal and had the appraiser come to our property to conduct the review. Not only was the appraiser rude but also very condescending. We went over all of the updates that we performed in the property and offered to provide receipts showing what we spent. He rudely stated that all of the updates that we did added no value to the property. 

Once we received a copy of the appraisal it was clear that appraiser wasn't familiar with our area, didn't provide proper valuation of our property, and didn't take into account any of the updates that were performed. He used houses that sold well over 6 months prior and houses that were in worse locations. Also, the appraiser didn't incorporate most of the updates that we performed. 

Once we began the process of appealing the decision we did more research the XXXX ( XXXX XXXX XXXX ) is actually owned by the lender Provident Funding. The XXXX is supposed to be a separate third-party, but instead Provident Funding started their own company to XXXX over their own customers. The XXXX is the company who decides what appraisers they use, which is not only unethical but should be legally not allowed. Provident Funding is  utilizing appraisers that give themselves better terms and forcing people like me to pay Private Mortgage Insurance ( PMI ) for a longer period of time. For us, if we would have received the valuation that we know we could sell our house for we would be able to completely eliminate our PMI. 

So while Provident Funding gave us an artificially low evaluation of our home, they also didn't require us to sign the disclosure form, thereby no longer clearing them of their conflict of interest. No customer should be forced by a mortgage company to use an XXXX owned by the mortgage company. We pleaded with Provident Funding to  reconsider our appraisal and allow us to pay for a second appraisal, however they said no to both. This is utterly ridiculous and the CFPB should care about consumers getting scammed out of {$10000.00} or more in equity because they control the appraisal process.
Consumer complaint received 2019-05-15
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. (GA)

I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. XXXX.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

For my Capital One Venture card, I received a bill that was dated XX/XX/2020 stating that I was being billed XXXX for the upcoming years membership fee. The first year fee had been waived when I got the card as an introductory offer. I was going to cancel the card, rather than pay the XXXX to have the card another year. I called customer service on XX/XX/XXXX and instead they offered to change the card to one with  no annual fee, but lower points earned per dollar. I agreed and switched cards, but now they have charged me the XXXX annual fee for the membership level I no longer have or wish to have, as well as a late fee. I have spoken to 3 levels of supervisors at customer service on XX/XX/2020 and have been told I can appeal this no higher and must pay. They state I must pay because it was billed to me, even though I made no charges in the 10 days between being billed and the cancellation date. I stated that I am being billed and expected to pay for a service I am not going to receive and stated I do not want to receive.
Consumer complaint received 2020-10-12
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

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 ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal information
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: Experian Information Solutions Inc. (TX)

I have been waiting for the investigation results from XXXX, Experian and XXXX regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.
Consumer complaint received 2020-06-27
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. (AL)

This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IN)

I have disputed this account multiple times. The company and the credit company XXXX refused to remove the account. They opened the account while I was in a chapter XXXX bankruptcy. They also provided documentation that appears to be screen shots of an application with them. However the bank account they provided I have never owned. Therefore, this account was not mine. They wont change the information.
Consumer complaint received 2018-06-13
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: EQUIFAX, INC. (AR)

Equifax - An inquiry was submitted to Equifax from XXXX for my credit information. I disputed this inquiry because I did not authorize it. Equifax did not investigate to see if I had authorized or did not. Their investigation results were that I would have to contact XXXX myself and ask for it to be removed. I do not know who to contact nor should I have to. They should not put things on my report and should not give companies my credit information without my approval. Also, I had put a fraud alert on my credit to prevent things like this.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (OH)

Continuous calls beginning in XXXX thru the present day. There are several every day and at various times of each day. The only information provided is United Collection Bureau and phone number XXXX No information is given re what the debt is. To our knowledge we have no outstanding debts. We have contacted the XXXX XXXX XXXX of XXXX OH and were contacted by XXXX XXXX, Accredited Business Operations Facilitator at XXXX XXXX. She stated in an email to contact you. We have our phone on the do not call registry since XX/XX/2003 but it is not working. Can you help resolve this?
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

IN XX/XX/2013 I VOLUNTARILY SURRENDERED A XXXX XXXX XXXX SEMI BACK TO THE LEASING COMPANY THE TRUCK HAD BEEN PREVIOUSLY WRECKED, NEVER SHOULD HAVE BEEN SOLD I PAID THE COST TO RETURN IT TO LEASING COMPANY THE TRUCK WAS REMARKETED AND SOLD ALL BALANCES WERE PAID IN FULL I HAVE DOCUMENTATION SHOWING {$0.00} BALANCE PAID IN FULL EXPERIAN SHOWS IT AS REPOSSESION AND MISSED PAYMENTS ALL OTHER CREDIT BUREAUS SHOW VOLUNTARY SURRENDER AND ALL PAYMENTS MADE.. {$0.00} BALANCE PAID IN FULL AND REMOVED AS A CLOSED ACCOUNT REPEATED REQUESTS WERE DENIED BY EXPERIAN TO RESOLVE THIS MATTER I'M ASKING TO HELP RESOLVE MY CURRENT CREDIT DENIALS DUE TO THIS ONE CREDIT REPORTING AGENCY
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

The company below calls me everyday and late night and sends letters threatening I pay this debt. I told them its not mines. They said its me and I must pay it. 


COMMONWEALTH FINANCIAL XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Collection Account Account Status : Closed Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} Terms : 1 Month High Balance : Limit : Past Due : {$550.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Unpaid Comments :
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a car-loan w ith   XXXX   XXXX   XXXX    that was in delinquent status when it was paid off in   XXXX    2014 by m y insurance carrier,   XXXX   XXXX  . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,