davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2021-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been calling and going online to Experian for day 's now to see where I can report an updated document from XXXX XXXX XXXX my lender so submit the document that is the history of my loan repayments for the last five years so it reflects my payments to the credit bureau. 

I paid for an Experian membership and there is no where to submit my request online. 
Customer service has little information to help me with my request.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello, On XXXX XXXX, I applied for membership with Navy federal. I also was encouraged by the customer service representatives to take advantage of of their products and services.

With the same representative I applied for the Navy Federal Platinum Credit Card.

After the rep asked the pertinent questions I was told, I was denied.

I will admit I was a little discouraged to say the least.

Navy Federal is know for being lenient with credit scores. I also realized I was in the low XXXX. 
However, I wasnt discouraged because I know people who were approved with less that XXXX credit score. 
I only wanted the credit card to boost my credit score, so that eventually my credit score would be increased in the future. 
I'm hoping you can help me with this dilemma.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, 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)

I have a hard inquiry from XXXX on XX/XX/2022 that I did not authorize. I would like to dispute this hard inquiry.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WA)

Comenity Capital Bank applied a {$1900.00} promotional finance adjustment. The regular payment schedule set by Comenity was not sufficient to pay the account in full within the 24 month promotional period as I intended. 

In XX/XX/XXXX, I purchased my hearing aides from XXXX XXXX XXXX for {$5900.00}. XXXX XXXX XXXX offered exclusive no interest promotional financing through Comenity Capital Bank. I accepted the offer & agreed to pay the full amount with 24 equal automatic payments. There was confusion with Comenity at the start of the contract period because the automated payment schedule was not set up. The Comenity representative calculated & proposed a payment schedule. The amount was Ultimately automated payments began XX/XX/XXXX. An attachment lists all payments made to Comenity. 

Only recently after receiving a payment due notice XX/XX/XXXX from Comenity Bank did I realize a problem existed with my account. I only understood the issue after the fact & after contacting both XXXX XXXX XXXX & Comenity Bank. The regular monthly payment was not sufficient and left the balance of {$650.00} at the end of the 24 month promotion. As a result, Comenity assessed over {$2000.00} in finance & late charges in XXXX which I only saw after the XX/XX/XXXX Comenity late-payment notice. 

I paid each monthly payment via ACH & accepted paperless statements for economy and convenience. The impending balance on the promotional account went unnoticed by me. As soon as I noticed an outstanding balance and researched the circumstances, I paid Comenity Bank the XX/XX/XXXX {$650.00} balance. I appealed the additional charges with Comenity Bank. Comenity Bank senior representative XXXX politely repeatedly cited the contract terms but denied my request to dismiss the additional finance charges. Comenity has not responded to my secure email request for an appeal. 

I contacted XXXX XXXX XXXX again, appealing for assistance to clear the dispute. XXXX XXXXXXXX XXXX VP of Sales responded that the bank is obligated to split the sum of the entire purchase into 24 equal payments and not reduce the payment amount in any way to deceive you and cause you to default and incur interest. Since Comenity calculates the monthly payments, " privacy policies prohibit me from discussing your account with your bank ''. 

The harsh penalty is unacceptable to me.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2023-04-08
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. (GA)

XXXX XXXX XXXX has continued to damage me financially and has shown no respect for the law. Congress penalizes financial institutions for making consumers enter into consumer credit transactions with uninformed use. I should have been provided full disclosure. The cost of credit was not fully disclosed to me. I made an uninformed decision on XX/XX/2020 as a result of the lack of full disclosure. The agreement was not clear and conspicuous. There was no evidence of a debt. The only evidence of the debt was the agreement but because my decision was uninformed that made the agreement null and void. I was threatened by XXXX XXXX XXXX and they mentioned a charge off in my agreement but there is no legal definition of a charge off. Furthermore, I have proof that the supposed authorized representative / assignee used two different signatures on the agreement. That is signature fraud which also makes the agreement null and void. At this time XXXX XXXX XXXX has reported a debt to my consumer report as a charge off when they have not taken any financial loss, they have caused me to be denied for credit products when they are illegally reporting a debt. This is my last attempt to resolve this amicably. I will be completing a forensic audit of my documents and XXXX business practices and then filing for arbitration. I advise the credit reporting agencies involved in this fraud to get ahead of this before you are implicated in a RICO charge for being party to coercing a consumer into paying a debt through harm.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Unauthorized transactions were made on my Wells Fargo account XX/XX/2023 totalling {$1900.00} thru XXXX. After Wells Fargo notified me of suspicious activity in my account I immediately took actions that day to file a claim and emailed them that all the transactions made on this day were unauthorized. After the claims case the bank decided not to return the fraudulant unauthorized transactions that were made that same day. I would expect that Wells Fargo would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of their notification.
Consumer complaint received 2022-08-20
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

Received two bank statements from TD Bank in the mail today as well as a XXXX  debit card. All addressed to me with my first and last name. I have NEVER even heard of such company and i already have bank. I called a dozen times to their customer service fraud department and no one would give me information as to whether my social security number was compromised.. or how these accounts were opened without my consent. On the mail it says the accounts were opened XX/XX/2022 on a Sunday. I checked the mail today XX/XX/2022 and thats when i discovered the card and statements. I to 5 different people and all they could tell me was to drive to the nearest td bank .. which i refused because its hours away. They also refused to tell me where they were located .. and any details about the company nor could or did they verify any of my personal info ( like address, last 4 of social, anything like a real bank would ). Regardless, this is NOT okay and i want answers and i want proof the accounts are not only closed but i want severe reprimand for the fact that this is allowed to occur i should not have to worry about identify theft or fraud or my personal information being compromised. SHUT THIS COMPANY OR BANK OR WHATEVER THEY ARE DOWN i have found the class action against them, the complaints and thousands of fraudulent reports of them illegally opening up bank accounts .. this is outrageous!!!
Consumer complaint received 2022-05-04
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)

About two months ago a XXXXXXXX card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother XXXX accts XXXX and business acct card XXXX XXXX XXXX XXXX brother XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX my brother ) acct XXXX XXXX XXXX acct also restricted for adding same authorized users that's already been verified under XXXX XXXX and 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: Experian Information Solutions Inc. (NJ)

I send this complain to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC (TX)

XX/XX/XXXX XXXX XXXX was hospitalized in a XXXX XXXX  and the clinic, XXXX XXXX XXXX incorrectly billed XXXX insurance. The resulting incorrect bill was disputed by insurance and we, the individual seen, were sent a bill for an incorrect ending amount for {$320.00}. We took steps to contact the clinic and were assured that they would pause the account. 

In the summer of XXXX while insurance was still working through the error with the clinic, this bill was sent to collections in the amount of {$340.00} to the A-1 collection agency in XXXX XXXX XXXX. We contacted the agency and let them know this was a bill under review and was incorrect. 

Regardless, the amount sent to collections has been show. As a delinquent report and is showing up as q Derogatory Account by the collection agency, even though the account is shown as current. The clinic noted bad debt recovery on XX/XX/XXXX as we continued to work with them on the correct billing amount. 

We want it to be know that we have had a mortgage impacted by this bad debt the bad debt was incorrectly submitted to collections and then continues to be listed as active. We are taking steps to mitigate this with credit bureaus but this is unacceptable given this all started with a billing mistake on the part of XXXX XXXX XXXX. 

The account references are : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. TheXXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act,15 USC Sections 1681i, and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the accounts that arereporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. 
XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXXXXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$340.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX  Balance {$64.00} XXXX XXXX XXXX  Balance {$64.00} XXXX XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$57.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  Balance {$4400.00} XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX  Balance {$1900.00}
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp (NV)

In XXXX I applied for a mortgage to buy a new construction home in XXXX California. Months have gone with little contact. I inquired about the status of my loan and has been given the run around. The loan is supposed to close on XX/XX/2021 but I still dont have an approval or denial its XXXX XXXX. Im also supposed to do a walk-through on XX/XX/XXXX not knowing whether or not my loan is approved or not. In the process of reviewing my loan the lender has violated HIPPA and fair housing laws. And I am being treated differently from other borrowers. The lender has contacted my employer and the department of treasury to get far more personal and detailed information that they need in order to determine whether or not I qualify for the loan they are questioning whether or not Im going to return to work because Im on vacation at this time. I have explained to them they I will return to work. They inquire about whether or not I am on sickleave or whether or not I have FMLA. They accuse me of lying when they make a mistake. they appear to be trying to find a reason to deny this loan because the property has gone up so much since I first applied for the loan. They have shared details with the builder realtor asking me again about my health.
Consumer complaint received 2022-08-20
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. (NC)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX