davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I DONT RECOGNIZE OR ATHORIZE THESE INQUIERES XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

Twice I have attempted to make my payment online with SPServicing and twice it has failed due to an incorrect account number. When it happened the first time, I assumed I typed the account number incorrectly, but when it happened a second time I suspect an error in their system not my typing. I called customer service and spoke to XXXX XXXX at extension XXXX and explained that their must have been an error in processing the payment and could I please make the payment over the phone. He informed me that because this had happened twice in 6 months, they would only accept certified funds. He refused to take my payment over the phone and informed me that if I mailed a check it would be returned if it wasn't certified funds. Just to be clear, neither payment was returned for insufficient funds but rather an incorrect account number, and the account has never been in default. I have read my mortgage Note and do not see anywhere that requires me to send certified funds if a payment isn't processed due to an incorrect account number. The payment is not delinquent and the account is not in default. Please clarify if SPSerficing is allowed to refuse my payment and require certified funds when the account is not in default or past due. Thank you.
Consumer complaint received 2022-07-19
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. (NY)

I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Help me write a CFPB complaint against TransUnion. The reason for my complaint is because I have mailed multiple dispute letters to TransUnion requesting an investigation into inaccurate items on my report. These letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received identical responses back from TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do so in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to TransUnion, along with XXXX responses as proof.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. The following information is 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. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Mine identity was stolen. By the credit Burace in XXXX employees took mine personal information. Please investigate XXXX employees office in XXXX. They are comiting identification fraud crimes. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-03-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since XXXX I have been trying to get the bureaus to do their job well since I have sent them notifications to please correct some errors in my credit report, I know that by law they should have done this in 45 days maximum, however until the moment I have been ignored. 

Also many creditors who have already sold the account to collection agencies continue to harass me trying to collect, according to my knowledge this should not be like that, the credit bureaus should regulate it
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems is trying to collect a debt sold to them by XXXX XXXX for {$200.00}. 

In 2020, I had an electricity contract with XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX XXXX can not provide an accurate record of amounts owed and paid. 

Transworld Systems provided invoice XXXX from XXXX XXXX XXXX for {$500.00} as evidence of a claimed {$200.00} debit for XXXX XXXX. 

Transworld Systems has not provided any evidence I owe {$200.00} to XXXX XXXX. An invoice from XXXX XXXX XXXX for {$500.00} is NOT evidence of a debt to XXXX XXXX. 

Please require Transworld Systems to show this is a valid debt. They are damaging my credit by claiming I owe something they cant prove I owe. 

My wife is XXXX due to XXXX XXXX and we have XXXX children. I need clean credit to support my family. Id pay these extortionists off but they refuse to remove this from my credit report in return for payment. 

Please help me get some justice by making Transworld Systems follow the law! 

PS I filed a complaint # XXXX with the Pubic Utility Commission of Texas to get XXXX XXXX XXXX to provide an accurate record of amounts owed and paid. I pay my debts but demand they are accurate and correct.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo - A mortgage hold was requested due to financial issues resulting from COVID until XX/XX/XXXX. I have called the escalation department on average 2 to 3 times a week from XX/XX/XXXX to XX/XX/XXXX. I signed closing documents for a modification/HUD partial claim in XX/XX/XXXX. The process lagged, conflicting information constantly was received. In XX/XX/XXXX I paid my portion owed, all payments from XX/XX/XXXX to XX/XX/XXXX. I chose to refinance with another lender XXXX XX/XX/XXXX. Wells Fargo has given me and my new lender inconsistent information, dates and dollar amounts. Now it appears that they did not process the HUD partial claim because I am switching lenders. They are iabsolutely taking advantage of my situation because I have an FHA loan. Is there anyway I can get some type of assistance? As a small business owner and XXXX, this refinance is crucial to my success and being able to meet my basic financial needs.
Consumer complaint received 2019-02-19
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. (NY)

I got with a New Inquiry from XXXX XXXX XXXX on XX/XX/ 2018 from Experian. I noticed this through XXXX XXXX on my XXXX XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say XXXX XXXX day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (CA)

I have been a customer of CB Indigo and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Bank has illegally closed my account. I called in on XX/XX/2022 to dispute 2 transactions which were {$2000.00} from XXXX and a XXXX payment for {$1500.00} that I did not not initiate on my account, the account tenure was over 1 year. On XX/XX/2022 I called in to check the status of my claim. I was told by XXXX, agent id XXXX, that I will be receiving the disputed amount of {$3500.00} between XXXX XXXX XXXX. This morning, XX/XX/2022, at XXXX a.m I received an email stating that I had to call in because of suspicious activity on my account. I immediately called capital one customer service number XXXX, a capital one customer service representative agent id XXXX, she stated that capital one has decided to close my account because I pose a risk to the bank. I asked XXXX was this a discretionary decision made, which she did not answer. She kept repeating herself lying to shield herself from any accountable, and refusing to answer questions I can legally ask as a consumer. I also spoke with the fraud department supervisor XXXX, agent id XXXX, and she also hid behind shady business policies imposed by Capital One. This company is using predatory tactics that linger investigation to negate their refund policy for disputes, which states that customers will receives a credit for funds disputed until the investigation is complete. The representatives refuse to divulge any information that explained the reason for a lengthy investigation after the closure of an account. This tactic is used in an attempt to surpass individuals ignorant to the bank procedure and process. Capital One is illegally withholding information from customers and bullying consumers to believe this is policy.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have 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 information is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NY)

Good morning, I am writing this letter regarding my former car, a XXXX XXXXXXXX XXXX XXXX I received a ton of calls and emails advertising a trade-in of my current lease for a new vehicle/lease. I followed up with a salesman and informed him that I went over my allocated miles and the vehicle was in an accident. He informed me that the dealership would take care of it. Because I was obtaining a new lease at a new monthly payment, the accident and the excessive mileage of the old lease would come out to the same. After I traded in the lease and acquire the new car, I was called by Acura Financial months later and was informed that I was liable for the excessive mileage and the payment was past due. I tried to inform Acura Financial that XXXX XXXX was taking care of the mileage, but they said they have nothing on record of this agreement. Because I could not let this affect my credit, I agreed to pay in installment to find out what happened with the dealership. I tried to contact the dealership multiple times until I ultimately contact the New York State Department of Financial Services and the New York State Attorney General office. The only solution was to provide a discount. I can not afford to let this affect my credit. I work for the Department of Justice and this could jeopardize my career. 

I would like to ask XXXX XXXX to pay the remaining balance ( XXXX ). Please contact mebefore XX/XX/XXXX to confirm that my request will be honored. If I do not hear from you by then, I will report this incident to the appropriate agencies. Besides, I am a loyal customer of XXXX XXXX and have always spoken highly of the dealership and always recommended XXXX to all friends and coworkers and would like to be able to do so in the future. I truly thank you for reading this email. I look forward to hearing from you.
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (TX)

I have disputed this information before by requesting documentation and have not received a response. I have paid off this lease and have received the title for the vehicle. My credit report shows lease paid off but they are reporting it 120+ days past due. THis is what I have requested documentation of but never received.
Consumer complaint received 2023-03-30
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. (CA)

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please correct/fix it. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has a system where they post deposits to my account as a credit. To secure and be sure I have enough money in my account to cover all charges. With that being said most deductions dont post to the account until days later. Over the past few months I noticed instances where my money has gone missing. Because of this I make sure to deduct all deposits and add the money thats needed at the time of that transaction. I am missing currently XXXX from my bank account that can not be accounted for by the bank. XXXX dollars and some change came from a pending transaction that was on hold due to error that would fall off. The other was from XXXX XXXX XXXX dollars and some change. All of that equals up to XXXX but it is not reflected in my current balance. I posted A picture of all transactions from the last 6 days leading up to this compliant. I called The bank and nobody would bother actually doing the math to see the problem from the correct dates and amounts. They went off of what they calculated which didnt reflect my correct balances at all during any point of my spending during these past few days. They think I dont See it but I do and I will, not stand for it. This isnt the first time they have taken from me.
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I had a loan with loan mart for est. XXXX with my title to car as collateral. The car was involved in accident and ins co said it was totalled and ins Co picked car up from collision shop. Since there was a line on car, I called loan mart and gave them all information with ins Co. My ins company paid loanmart Since they were the lienholders. Loan mart has been paid but reporting XXXX my credit that nothing was paid on this loan and turned a XXXX personal loan into a XXXX. The car only had a XXXX value and it had a clear title when I got the loan. I don't know why they did not subtract what was paid by my ins company and why there is an outstanding balance of XXXX. I attempted several times to clear this up with loan mart and was always put on hold for long periods of time and being passed of to different people and also being told ppl I spoke with no longer worked there so they can't determine what was discussed with ppl.