davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-27
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2024-12-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

The company replied to my previous complaint XXXX with a factually incorrect statement. They also sent me a letter, Your Citi Inquiry - XXXX, with the same incorrect ( or deliberately misstated ) information on XX/XX/year>. I responded the next day, pointing out what was incorrect in their response, and providing, once again, the evidence for their initial discount promise. I have received no response, and no action has been taken. 

To quote my response, " The company responded with the information that was factually wrong. 1 ) the response contains the wrong price of the product ( {$990.00} was never the amount advertised by XXXX XXXX ) 2 ) a discount applied ( {$170.00} ) after the wrong delivery had nothing to do with the issue in hand 3 ) The ad contained the promise of {$100.00} discount when the purchase was {$300.00} or more ( and not XXXX as claimed by the company ) So the company managed to lie 3 times in a single response! ''
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (AR)

I am Submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$1000.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2019, I instructed a wire transfer to be sent to my Capital One checking account. When funds arrived, while marked as available, it was also marked as a " pending transactions ''. 

The " pending transaction '' label is misleading as wired transfer is complete once the wire " hits '' on the receiving bank 's end. The " pending transaction '' label creates an impression that this amount is still subject to additional bank review, as opposed to fully unencumbered. 

This is unacceptable especially as Capital One charged additional wire transfer fee for this capability. 

I request the CFPB ( and Federal Reserve and the OCC ) to compel Capital One to remediate this misrepresentation urgently.
Consumer complaint received 2022-07-18
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. (GA)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized 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 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 2024-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TX)

I obtained my Home Equity Investment loan through XXXX and RoundPoint Mortgage was the servicer of my loan. My title company sent the payoff amount to RoundPoint on XX/XX/XXXX and I never received any overage check for the escrow balance. I emailed RoundPoint and got the response that they sent the check to the wrong address. I called and updated my mailing address and since then I never received any response from RoundPoint period.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (KY)

The Money Source has billed a charge of {$1400.00} " Corporate Advance '' to my Mortgage Account # XXXX. I have asked repeatedly for an explanation of what " Corporate Advance '' means and an itemization of the exact nature. They have never responded. I have had my attorney 's office XXXX XXXX, XXXX, KY ( XXXX ) XXXX write two letters on my behalf. They have not responded to their requests either. Since, they have failed to respond over 60 days I am requesting them to remove this charge.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I have 2 closed accounts Citi cards and XXXXXXXX XXXX. I got I contact with both of them and they agreed to remove to account if I paid the accounts. I paid them and they still on my report. They was prepaid cards and I haven't received my deposit back yet either.
Consumer complaint received 2022-07-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I opened a XXXX card and Lowes card backed by Synchrony Bank in XXXX and XXXX and shortly after I received the card or before I received the card in the mail, they had already closed my account for being high risk according to their system. No one in customer service or escalations to management are willing to help and just send template response emails and tell you to wait for a letter in the mail. The problem is, this company has by then hit my credit with hard inquiries which hurts my ability to obtain any new credit, hurts my score and also puts maxed out trade lines on my credit report which also hurts my total utilization and further hurts my credit score because I no longer get credit for the available credit limits to offset the initial purchase balance and they entice you to apply for special one time discounts at the point of sale at the retailer. They already ran my credit and assessed using a live analyst my credit worthiness and eligibility and then approved my application. If I was a high risk of default to them, which most people that are new to their bank would be as they have no data to suggest guarantee of repayment, they should not have credit qualified and approved my application to begin with. They are hurting peoples credit scores and adversely affecting the terms being offered on subsequent credit accounts because of the negative factors including the hard inquires, the maxed out trade line balance without reporting the available credit as the account is closed, the trade line reports to other credit agencies closed by company which to a human underwriter could be perceived as negative when considering other types of consumer finance accounts. This practice is unfair and deceptive and something needs to be addressed to protect consumers. You either qualify for a loan or credit card, or you do not there is no in-between this is wrong and borderline fraudulent and could be a method they are using like XXXX XXXX to pad their new account opening numbers to raise their numbers for their shareholders and also could be used to incentivize managers and regional managers in areas where credit card account opening execution is part of a pay plan or bonus plan for their employees and retail partner managers. It is wrong.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The Late Payment Status is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
11. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MN)

After not even 3 months of me having XXXX I was being harassed on my phone almost every single day when I was working with my health insurance and scrambling together the things that they needed so they could pay for my XXXX. 
I blocked the phone number and started receiving mail every single day and eventually just recently after my health insurance covered all my hospital bills I started receiving texts every 1-3 days.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX5 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (PA)

This is my 2nd letter stating that my school taxes were not being paid in a timely fashion by Wells Fargo. I've provided Wells Fargo with a copy of the letter and the case s under review. 

I'm trying to also make sure there is no issue with my Escrow due to this occurring and since Wells Fargo pays on my behalf. I received an letter in reference to not enough Escrow funds.