davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-01
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: Colony Brands, Inc. (NC)

I previously sent this company two letters on two different occasions letting them know that I was a victim of identity theft and that this was a fraudulent account and I had no knowledge of it until I was contacted by XXXX XXXX XXXX of the XXXX Police Department letting me know that they found fake identification cards on the suspect XXXX XXXX with my personal information on it. I sent this company a police report along with the FTC identity theft affidavit report, and they still did not delete this account and they say that they verified that this account belongs to me. As a result of this, I'm filing a complaint against this company with the FTC the BBB the Attorney General of my state in the CFPB accusing this company of willful non-compliance because they are not willing to remove this fraudulent account after I proved that I'm a victim of identity theft.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (CA)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (TX)

I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.
Consumer complaint received 2016-10-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a Cap One XXXX account in XXXX 2016. I use it as my primary financial accounts for Checking and Money Market. My monthly transactions consist of my XXXX paychecks that are direct deposited to my Money Market along with various monthly rent checks from my investment properties. Currently I have almost {$100000.00} in both of my accounts. Around XXXX/XXXX/16, Cap One XXXX posted on my on-line account that my " Funds are currently unavailable for withdrawal. Please call us at XXXX ''. I have called the past few days to find out why. Each time I called I was on hold for over 1 hour and finally hung up without taking to anyone. Today, XXXX/XXXX/16, I was able to talk to a representative waiter 30 minutes on hold who then said he had to transfer me to the Customer Security Team who is the only source that can discuss with me why my account was put on hold. He said it would take only another 10 minutes on hold. Forty five minutes later, I am still on hold .... apparently I was told by multiple reps that they have experienced higher than normal wait time. Several of my monthly autopay bills, such as my monthly mortgage payment is at risk until Cap One resolves this issue. I requested Cap One to send a check to my renter who lives in XXXX, VA from my checking account last week. Cap One did not issue the check. After multiple attempts to contact Cap One XXXX, I am very concerned that I ca n't reach Cap One to find out why my funds are not available for my use and more importantly Cap One has made no effort to contact me directly in this serious issue. I have no access to accounts to withdraw cash or pay my bills. My credit score will be negatively impacted and I am potentially at risk for my mortgage default since I ca n't withdraw funds. I visited the Cap One brick and mortar branch who basically said they can not help me only Cap One XXXX. I need assistance on how I can access my funds at Cap One XXXX. How pervasive is this bad business practice that Cap One XXXX uses to hold customers accounts hostage? Customers are not able to reach the Cap One XXXX team to obtain validation as to why there is a restriction for no reason. Thank you!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : XXXX : {$770.00} TransUnion : {$710.00} XXXX : {$770.00} Inconsistency : The reported high balance differs between XXXX and TransUnion. 
Monthly Payment : XXXX : {$99.00} TransUnion : {$97.00} XXXX : {$99.00} Inconsistency : The reported monthly payment differs between XXXX and TransUnion. 
Last Reported : XXXX : XX/XX/2023 TransUnion : XX/XX/2023 XXXX : XX/XX/2023 Inconsistency : The last reported date differs between XXXX and TransUnion. 
Past Due - XXXX Days : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Inconsistency : The number of past-due days ( XXXX  days ) differs between XXXX, TransUnion, and XXXX. 
Remarks : XXXX : - TransUnion : Canceled By Credit Grantor XXXX : Account Closed By Credit Grantor Inconsistency : The remarks differ between TransUnion and XXXX. 
Responsibility : XXXX : Individual TransUnion : Individual Account XXXX : Individual Account Inconsistency : The reported responsibility type differs between XXXX and TransUnion. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TN)

American Express has a pre existing ticket ( please reference CFPB ticket number XXXX ) open and sadly does not look like they are interested in resolving the matter. Which has been the case since they decided to close the account without cause or justification. They claimed that documentation was sent to me and I never received it. They continue to report inaccurate information and balances on all three credit bureaus even though the account is paid in full. They have used threating and questionable FDCPA tactics over the past two years with me on this account. The debt and delinquency of the account was a directly caused by Covid 19 which involved losing my XXXX. and my XXXX  who is a XXXX XXXX  being sick from XXXX XXXX. When I called and asked for help and options I was hung up on constantly, threatened, laughed at by there in house advanced collections department. I was consistently called by there auto dialer and harassed even after asking numerous times to please stop calling. American Express has been a complete nightmare.
Consumer complaint received 2024-02-08
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. (NY)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2024-02-08
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. (ND)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have received mail through the post office from CapitalOne offering me a credit card. First, I stamped the envelope " RETURN TO SENDER '' in red ink and put it back in the mail but, I do not remember the date. Second, I stamped it again and then wrote " Please remove me from your mailing list. This is my second request. If this request is not honored I will be contacting the Post Master General and the Attorney General of Arizona. Thank you for your help. '' At the time I did not know to contact the Federal Trade Commission. Third, I received another envelope. In response to the envelope, on XXXX XXXX, 2016 I sent a letter which will be uploaded in the appropriate location on your website. In the letter I enclosed copies of the envelope and explained that I first sent an envelope requesting to be removed from the mailing list. I was wrong telling them I would contact the Attorney General and Post Master General. However, I did formally request to be removed from their mailing, calling, text and any other means of communication the company utilizes. They did not try to contact me and around XXXX, XXXX I received another envelope.
Consumer complaint received 2016-08-03
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XXXX, I made a large purchase at Kohls.com that was subsequently cancelled by the retailer. While the order was successfully cancelled, the gift card that I used was not refunded and was drained in full to the tune of {$250.00}. In my initial conversation with them on XXXX/XXXX/16, I was told the gift card was being refunded and the funds would be available the next day. This was a conversation with a gentleman named XXXX in the order review department. One week later, the funds were still not available. I called back to the same department and spoke with a woman named XXXX and I was told that the gift card was accidentally XXXX out and that another one would be issued to me and mailed within 30 days. While I did complain about the length of time, they said this was their policy. I waited more than the 30 days and again called to inquire about my gift card ( XXXX/XXXX/16 ). At this time, I was told there were no notes on the account and that nothing had happened with the card since the last time I called. The supervisor apologized and said a card was going to be mailed out. I again waited another 30 days with no card. On XXXX/XXXX/16, I called the same department and spoke with a gentleman by the name of XXXX. He said that the card had still not been sent and he was very sorry. He said that he would personally ensure that it was handled and would call me to follow up on the process. He also assured me that I would receive the refunded gift card in XXXX business days. Today is XXXX/XXXX/2016 and not only did I not receive a call back from him or update on the process, but the card has still not been received. This is fraudulent business practices and I am beyond angry with this process. Kohl 's has had the {$250.00} from my gift card since XXXX, over 4 months.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$490.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

Payments made on the card and are deducted from my bank account and show as received on the credit card. The available credit does not reflect the payment for as long as 14 days. That means they are in possession of the funds for their own use and are not available to me.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (TX)

Name of Creditor : CREDIT COLLECTION SERVIC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, MA XXXX Re : Progressive Insurance Company Amount : {$390.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (IL)

My bank has charged within the last month over {$1000.00} in fees. When I look at my statement, a lot of the fees are caused by re-arranging how they process items when they post and on for pending items ( some of which never even posted ). I have contacted several times to no avail and even have spoken to their executive team.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICA FIRST FEDERAL CREDIT UNION (TX)

1. I was asked to submit SSA form sent by them to get notarized 2. I spoke to Chief engagement officer Ms XXXX and she told me that was not fair if they were not accepting the form. 
3. She asked contact center manager XXXX to contact me and she said the same thing. Then she went on leave, leaving me with XXXX no response 4.I contacted contact center and I was told I do not qualify for a saving account as I do not qualify ( my mother is a member ) and that they could not verify my social security number already sent to them notarized. 
5. I was told come to Utah to we can identify you and later made excuses you will waste money by coming here, when I stated I am coming. They asked me to open an account with XXXX XXXX XXXX!? 
I felt I was wronged in every way and pure injustice was granted. They never responded to any of my email plea and finally sent a letter of adverse action giving me why I can not apply. I will attach or fax copy of the letter. I have copies of all emails, text messages sent to America First for records. I am just confused and feel I have not been treated fairly
Consumer complaint received 2016-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who?
Consumer complaint received 2015-07-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (NJ)

The company has been harassing me with letters for about XXXX months, I have been requesting information and they have been slow in giving me the improper information. I have sent a letter in response to their claim on XXXX, XXXX. and XXXX. The alleged debt is from XXXX XXXX, 2015 and the New Jersey Statute of Limitation is XXXX XXXX XXXX XXXX years. XXXX XXXXXXXX XXXX. XXXX XXXX ) I asked them to remove this claim from their system and send a letter of conformation that you are not pursuing this invalid claim any further. But they still harass.