davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I wired {$4000.00} through TD bank, but later on found it was a scam. I wanted to wire money to XXXX XXXX  but in reality I wired to a personal account. ( This was a scam from a dating app. I already reported to reportfraud.ftc.gov. ) I went to the police department and the police asked me to get an affidavit from my bank stating that there was suspicious activity on my account. I then requested from the TD Bank, but got rejected. The bank stated that because I initiated the transfer so there was no suspicious activities involved. Until now, I am not able to make a report because the police insisted that they need the affidavit in order to start the case. 

I understood that it was my fault to initiate the money transfer, but TD Bank did not ask for any evidence about the scam that I encountered but just rejected my request for getting an affidavit, so I am not able to make a report to the police. This is irresponsible!
Consumer complaint received 2021-05-19
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)

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXXXXXX XXXX- XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXXXXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXXXXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXX XXXX- XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXXXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!
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 status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of inquiry XX/XX/2020
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. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX 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/XXXX
Consumer complaint received 2024-02-07
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. (NJ)

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 2024-02-08
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2017-01-02
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (GA)

Rush Card without my consent put a hold ( Potential Fraud ) on my account, locking my entire account down. Due to a refund from XXXX XXXX in the amount of {$550.00}. As stated from RushCard they required that I email or fax a copy of the receipt of the refund as well as a copy of my drivers license- as I did fax and email. I have no access to my account what so ever. As calling RushCard, they continued to tell me there was nothing they could do, even though I provided proof the XXXX refund was indeed valid. Which has tied up me paying my rent and other bills.
Consumer complaint received 2020-12-07
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Trade line was removed from my credit reporting file. Item was re-inserted on XXXX XXXX, 2015. Item was disputed as previously removed. Item was updated, instead of being removed on XXXX XXXX, 2015. Also, with account no longer being on credit report, there was an unauthorized inquiry conducted by company.
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. (VA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please REMOVE the following inaccurate items in my report : XXXXXXXX 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/XXXX
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I entered into a mortgage with a non-entity call America 's Wholesale Lender, owned and operated by Countrywide/Bank of America. The Mortgage closing reported the Title Insurer as the Federal Closing agent. The property was owned by myself and my son however both the bank and the title insurer only required my signature on the Note and Mortgage. I was required to sign a Quit Claim Deed to remove my son from title. The Title Insurer then removed their certification stamp from the documents prior to filing them with the public land records and in the court system. 

While this was a {$58000.00} lien and a 15 years fix rate mortgage. After 5 years and 4 months ( by XX/XX/XXXX ) I had repaid {$62000.00}. However several payments had showed they were simply reversed out of the account after payment had been received and the checks had been cashed. Some money had been added back into the account however several thousands of dollars have, to this day, remained missing. 

On more than one occasion the Bank had cancelled the homeowners hazard insurance in order to replace it with lender forced insurance. A complaint was filed with CFPB, however nothing was ever done to the knowledge of this homeowner. The bank, to this day, still has lender forced insurance on the property. 

The bank advised the court that it had complied with CFPB and court requirements to send the homeowner a Notice of Acceleration, however through court documents that Notice was proven to have been manufactured and via US Postal Service tracking it was sent to n address in California not to this homeowner. 

Over the course of 10 years this homeowner has sent the Bank 4 separate Error Letters. The bank has responded to each one, however never fully complied with any of the requests for documents. The Bank also lied and mislead the homeowner in each of it's responses. To dated the Bank has failed to follow the requirements of the RESPA Act of Congress ( Regulation X ) and now know as CFPB Regulations 12CFR1024.35 On XXXX XXXX, XXXX the Bank filed a foreclosure complaint against Both Homeowners. The court ruled in favor of the homeowners on XX/XX/XXXX. This ruling was overturned by the Florida XXXX District Court of Appeals on XX/XX/XXXX. The Homeowners basically won again on XX/XX/XXXX when the court determined based on the evidence that it no longer had " Jurisdiction '' over this case to proceed.
Consumer complaint received 2020-12-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FORD MOTOR CREDIT CO. (MI)

I received 2 calls and 2 voicemails prior to XXXX from Ford Motor Credit ( came in at XXXX ). Voicemail stated it was XXXX calling and that I needed to call her back at XXXX ext. XXXX. I've had this problem with them calling early like this before. I do have a debt with Ford but they should not be calling me this early - it is outside of the times allowed per the FDCPA. I want that to stop and XXXX to be reprimanded.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

Experian.com did not properly inform me that I was subscribing to their {$21.00} monthly membership. I checked my credit report for {$1.00}, as advertised, and before I knew it, I had been signed up to this service without my consent. I knew because my bank account had been charged. I was charged on  XXXX   XXXX   2017 . I tried getting a refund as soon as I realized I was charged but I was told it was impossible because I apparently had agreed to this charge.
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX XXXX and XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX, XXXX XXXX XXXX  )
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (NY)

About XX/XX/2020, I opened a Charles Schwab Checking account using user name " XXXX ''. After a day, Charles Schwab closed my account. When I inquired about the reason, Schwab advised that they closed the account due to negative information contained in a XXXX  credit report allegedly obtained using my personal information, including my social security number. Schwab also advised me, via phone conversation, that my XXXX  credit score was XXXX. 

I contacted XXXX  and obtained my credit report on XX/XX/2020 and again on XX/XX/2020. During a conversation with a XXXX  supervisor on XX/XX/2020, the supervisor advised that no negative information was contained in the XXXX  report and he advised me that my score was XXXX. This score corresponds to the score I received on XX/XX/2020 from XXXX. 

Schwab advised me to reapply XXXX user name " XXXX '' ) in which I did. Schwab then on XX/XX/2020 closed this second account. 


I called schwab and explained to them that I had credit reports and a score from XXXX that contradicts what they claim XXXX  reported to them. I asked them to investigate and they refused stating that they were basing the decision on the report. When I advised them that their information is not what XXXX  has listed on my personal file they said they will not disclose any information to me other than the fact that they closed my account due to the XXXX  negative report. 

Schwab will not assist me further or investigate my claim that they are receiving erroneous information about me. I even offered to send them my report that XXXX  sent to me. I told them that my credit scores for the three major credit bureaus were all over XXXX and told them an error was made in the decision to close my Schwab accounts. They send I could reapply, but since I was denied twice, they doubted I would be approved.