davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion recently removed a bankrupty dismissed remark from my account associated with XXXX XXXX. Transunion and XXXX XXXX blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of XXXX my credit score dropped XXXX points. I additionally lost 4 points each month each time I made a payment to the XXXX XXXX account. My score still remains the same as if I had the bankruptcy remark still on my account. Transunion only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to transunion showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence transunion did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.
Consumer complaint received 2024-02-25
Product: Credit reporting 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)

These Hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks Hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-12-10
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. (MO)

My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent them documents showing that XXXX was not reporting XXXX XXXX on my credit report any longer. This was mailed to them on XXXX and as of XX/XX/ I have not had a response from them about this.They have had over 30 days to look into this matter so this needs to be removed from my credit report asap.
Consumer complaint received 2023-01-23
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. (UT)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

Please see attached documents.
Consumer complaint received 2020-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

Mailed the Repossession Deficiency Letter to Experian & XXXX   XXXX  NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ).

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE REMOVED THIS ACCOUNT ON MY EXPERIAN REPORT I WILL BE FORCED TO PRESS CHARGES.
Consumer complaint received 2024-02-25
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. (NY)

On XX/XX/2024, I called XXXXXXXX XXXX they first transferred me to XXXX XXXX  and XXXX said we not Collecting/ Canceled Collections!!! 
Then called XXXXXXXX XXXX  again, they then transferred me to XXXX XXXX and XXXX said we not Collecting Collections, we don't know why XXXXXXXX XXXX  transferred you to us!!! 
XXXX XXXX said send me a copy of XXXX XXXX Email and Fax it to US and we give it to XXXX XXXX to delete it from your account!!! HER NAME WAS XXXX!!! 
XXXX XXXX FAX # XXXX FILE # XXXX ATTEN : XXXX ( XXXX ) ( XXXX )
Consumer complaint received 2020-12-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (KY)

- XXXX XXXX : I applied for a re-finance of a mortgage that was currently serviced by BB & T. The loan officer handling the request was XXXX XXXX ( NMLS ID XXXX ). I expeditiously submitted all financial information requested. 

XX/XX/2020 : XXXX told me that as a part of my approval process, I would need to submit a 60-day ledger of my checking account activity in order to apply a monetary gift ( from my family ) to the approval process. 

-XX/XX/2020: XXXX XXXX loan processor sent me a notice ( via email ) that my re-finance had been submitted to underwriting -XX/XX/2020 : After hearing nothing from XXXX for weeks, I told him if my re-finance could not be approved by XX/XX/XXXX, I was no longer interested. Other financial institutions were processing re-finances within 60 days, so I was more than patient with an almost 90-day time period from XXXX/BB & T with no resolution. 

XX/XX/XXXX : I emailed XXXX 's processor ( XXXX XXXX ) that I was no longer interested in the loan since it had taken so long. XXXX immediately emailed me back and I confirmed with him that I would like to end the loan process. He confirmed with : " OK, have a good one ''. 

XX/XX/XXXX : I received a " Statement of Credit Denial '' from BB & T dated XX/XX/XXXX. I called XXXX because, as he indicated to me, the loan application had been withdrawn so I was confused. He mentioned that my credit was denied because a gift letter was not attached to the application, and at that same time he confirmed that my loan had been withdrawen. 

... ..so here is the complaint : 1 ) XXXX did not tell me a gift letter was required by compliance for approval. He told me a 60-day checking account ledger " would work '' ( email attached ) If I had been given the correct information at that point, I would have immediately withdrawn the loan. 
2 ) XXXX did not tell me, when I requested the loan application be withdrawn, that it was essentially too late because at that point it had apparently already been submitted for final approval. 

XXXX 's actions and lack of information ( or false information ) have harmed me because by " denying '' me credit ( for a loan I no longer wanted ) can harm my credit rating and ability to receive favorable consideration for future credit applications.
Consumer complaint received 2020-12-09
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: CITIBANK, N.A. (IN)

Ths regards XXXX XXXX credit card XXXX MASTERCARD/CBNA XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NM)

Santander XXXX This account is current however, it is being reported as a Charge off with a past due balance of {$11000.00}. These statements are FALSE and preventing me from getting the credit I deserve. I have contacted Santander several times and do not get an accurate response or update.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have repeatedly disputed this Capital One account that continues to exist as an outstanding balance on my credit report. Capital one and XXXX XXXX XXXX refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

Capital One referred my account number ending in XXXX to XXXX XXXX XXXX. XXXX assigned a different number to this account XXXX and I paid this account in full to XXXX XXXX XXXX on XX/XX/2020. 

XXXX only reported to the credit bureaus that the collection account was paid in full, not the Capital One account with the original number ending in XXXX. XXXX never reported to Capital One that this account was paid or maybe it did and Capital one refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with Capital One and the other with XXXX XXXX XXXX but this is the same account. 

I have attached the documentation that this account has been paid in full from XXXX. I called Capital One last month and they assured me that they would get this taken care of and will collaborate with XXXX XXXX XXXX that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with Capital one with the account ending in XXXX and this is incorrect. This account has been paid in full with XXXX XXXX XXXX. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of Capital One and XXXX XXXX XXXX to refuse to correct this on my credit report. 

I also called XXXX XXXX XXXX  last month and told him that XXXX had assigned a different number than what Capital one had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by Capital One. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my Capital One account has been paid in full because the collections account by XXXX XXXX XXXX and capital one account are on in the same. Thank you.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-09
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. (FL)

I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2021-04-09
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: NAVY FEDERAL CREDIT UNION (FL)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.
Consumer complaint received 2020-08-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXXAccount Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (OH)

XX/XX/XXXX : Purchased a car and got a loan through Ally Financial. 
First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month. 

XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history. 

XX/XX/XXXX : I contacted Ally Financial by mail again with the same question. 
No response as of yet. 

XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial. 
No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section. 

XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ). 

I have never been late. 
I have also tried to pay at different times to see if I could find a pattern none that I can determine. 
I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating. 
I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I received an alert on my credit report that a card had been opened through Capital One Cabela 's. I had not applied to Cabela 's for an account and it happened twice. i contact Capital one and they said they are taking care of the fraud. suggested I report this issue. I also received a letter in the mail Department of Labor with a fraudulent Unemployment Claim being filed.
Consumer complaint received 2020-12-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (VA)

NewREZ LLC NMLS # XXXX mortgage company is purposely procrastinating with paperwork to further the financial harm to its client. filed to refinance using an Irrl loan through the current mortgage company in XXXX XXXX now after 3 months of being told just wait everything is good. now the loan can't qualify for the IRRL program because I had a late payment for XXXX and it was also time to make XXXX payment. I specifically have correspondence where the loan officer wasn't helping me. Quite a few unanswered emails on specifically asking about the process and what about the XXXX payment? I was again told not to worry the new loan was processing then poof! she vanishes. I have a new loan officer telling me that I need to make those payments to proceed with the loan. So I make them then a week later I'm being told since I had a late payment now the loan couldn't qualify. XXXX! My loan has been current with this company since they have managed the loan. I believe that the company is not working refinance loans in a timely manner to accrue the higher rate payment for as long as they possibly can. This in turn has put financial strain on my family. This has hurt me mostly financially but has also now blemished my credit rating. Had I not been smart enough to put my XXXX in XXXX payment in the bank I fear that would have been the beginnings of me losing my home, due to a foreclosure.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

Following complaint # XXXX with TD bank, the company has yet another tactic they've used in the past to silence underprivileged, XXXX, youth Americans by threatening an account closure and not necessarily saying the reason it's for. TD Bank claims they have the right to close my account at their own discretion. They never warned of any wrongdoing, other than too many transfers from my savings account to my checking in order to not overdraft. Being that I was recently a victim of a gas station skimmer attack on my personal debit card, TD Bank claims representative presumingly knew that was a likely event from the same {$100.00} charges from gas stations in other different areas in where the county I live in. This continuous behavior from a national bank on treating XXXX consumers with no protected rights has been a long issue within the financial industries in America. This is a discriminatory tactic TD Bank has used against me, and I am asking the CFPB to help fight back with me.
Consumer complaint received 2024-02-24
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. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$32000.00XXXX XXXX XXXX XXXX XXXX  : XXXX, {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$32000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 



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 XXXX XXXX  Acct # XXXX 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 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.