davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (NV)

Hi I am submitting this XXXXXXXX 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 n 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 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 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 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 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-10
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. (NV)

In accordance with the fair credit reporting act the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681XXXX 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 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 then records of convictions of crimes which antedates the report by more then 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 USC 1692 section 805 A section 3 states at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number
Consumer complaint received 2022-06-10
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. (WA)

Theres a hard inquiry on my Transunion report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And Transunion said I had to report it with the Federal trade commission before filing dispute
Consumer complaint received 2022-06-08
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. (CA)

EQUIFAX continues to report the attached XXXX XXXX  account without a date of last activity. 
Remove account, after verification, the XXXX is still not reported. That is a violation.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I upgraded my credit card from CapitalOne venture one to XXXX last year. After the upgrade, I was offered a promotional rate of 0 % APR until XX/XX/XXXX. I was suddenly charged {$76.00} a few days ago ( XX/XX/XXXX ) even though I paid off my balance on XX/XX/XXXX. I called a representative and they told me the date they had in the system was early XXXX for the promotional XXXX end-date and if I found an email that presented different information, they would waive the fees. I called again after I found the email. I was told that I never accepted the offer and they don't have such a thing on my account. After I found the email, they told me to forward it to the abuse dept. I told them I am a software engineer and this email came from CapitalOne. It has the right encryption and the address of the sender. They later confirmed it did indeed come from there. I wasted a few hours with CapitalOne customer service representatives and it's unacceptable that I have to go through so much trouble when I had clear information about the end date. Attached is an email. I spend about XXXX a year on my credit card, and I have a six-figure amount in my savings with capital one.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2022 I sent a document to Portfolio Recovery requesting proof that they had verified several accounts on my credit report prior to reporting the information. Previously, I have sent additional letters requesting this data, which they have not provided. 

Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately. 

Please direct Portfolio to promptly remove the unverified items from my credit report until they can verify their legitimacy. 

I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. 

Thank you very much for your help.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

My home mortgage account was never interrupted nor Discharged through Bankruptcy XXXX XXXX on XX/XX/XXXX, as posted on my XXXX report. I've never missed a payment and the reason this account is currently closed is because I've re-financed this balance for a much lower rate with XXXX XXXX XXXX XXXX Bank on XX/XX/XXXX, therefor this balance with Suntrust Bank was paid off by XXXX XXXX XXXX XXXX Bank. I'm attaching mortgage account with initial balance in XX/XX/XXXX and Insurance Policy for same mortgaged property.
Consumer complaint received 2022-09-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (PA)

My husband and I got approved for a mortgage. The whole process was a disaster. The mortgage company got bought out without us knowing. The mortgage company was late on everything. The sellers got mad and put the house back on the market and because everything was delayed. At the end our mortgage got denied and the sellers refused to give out {$15000.00} deposit back. The realtor was no help told us to deal with it ourselves. We had to do mediation that did not go well. We had to get a lawyer and at the end lost half of our deposit. The whole process was a disaster. The mortgage company defiantly messed up with us and the realtor as well. Please help
Consumer complaint received 2023-12-29
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. (AZ)

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. I kindly request the following actions be taken urgently : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. Implement additional preventive measures on my account to avoid any future unauthorized access or activities. Given the prolonged inconvenience and the potential impact on my financial well being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-06
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. (NY)

after carefully reviewing my credit report I have found discrepancies and inaccuracies that raise doubts about the validity of this debt I have reported the inaccuracies of this debt yet still the debt remains on my credit report, and neither have they provided me with the original contract requested.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (CA)

I paid, via bill pay, {$500.00} to my credit card at XXXX on XX/XX/2021, the payment was never made and the bank kept my money. The initial refund and admittance to the payment not being made was on XX/XX/2021. Then an authorized debit of {$500.00} was done on XXXX XXXX. They initially refused to start a dispute on XX/XX/2021 And XX/XX/XXXX and then again on XX/XX/2021. Finally I had a dispute started again on XX/XX/2021. I have not received any notification of any action thus far.
Consumer complaint received 2022-08-02
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

On Friday XX/XX/2023, I tried to make a wire transfer from my marcus by goldman sachs XXXX account to my escrow company. I was notified i could not make the transfer. I was recomended by XXXX supervisor to have my funds transferred to my XXXX XXXX XXXXXXXX XXXX XXXX account which is linked to my marcus by goldman sachs account. I agreed to have the money transferred there. On monday i received a call from marcus by goldman sachs informing me that he apologised they can not complete the money transfer to my XXXX XXXX XXXXXXXX account since it is a business account. He notified me that the funds will be transferred back to my marcus XXXX account by tuesday XX/XX/2023. XXXX XXXX XXXX i called marcus by goldman sachs and they could not text to my phone number linked to the account and locked me out of the account. I informed them that i would be filing a complaint and also a lawsuit against their bank
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit/my file/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. 

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. 
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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 called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

PNC bank assumed my mortgage from another provider for my condo. They have been insistent on me having additional insurance over and above the master condo policy, which covers full replacement of my condo. Why ; beats me. I have had to place XXXX phone calls to them, and they simply do not listen, or even seem to understand basic insurance terms and policies. They called my insurance company in a lame attempt to clear this up, left a call back message, and then refused to take the call back.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Had fraud on my account, received notice that they issued permanent credits, then they debited the same credits from my account without any notice and zero explanation. I have talked to 8 people who do not understand why either. 

Amounts include {$4200.00}, {$900.00}, and {$81.00} all credited on XX/XX/22 I have called them today, XX/XX/22, to gather reasons why as the funds were debited, 8 reps could not tell me why, they had zero answers other than we will need to investigate why as all we see is permanent credits issued on XX/XX/22 with the documentation sent to you that it was credited to you.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Unlawful billing practices under XXXX XXXX 's periodic statement generation policy. Per XXXX XXXX response on XXXX XX/XX/2021 to CFPB complaints { XXXX, XXXX and XXXX }, XXXX policy was to provide a minimum of twenty 20 days between statement generation date and statement due-date. Bill generation consistently under requirement of twenty-one ( 21 ) days as outlined in 12 CFR 1062.2 ( a ) ( 4 ). I have received disparate treatment under XXXX internal policy and have suffered harm under XXXX unlawful acts and practices.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited a postal money order in the amount of {$310.00} at a bank of america atm today, XXXX This is the 3rd time in several months that they have informed me they will be holding the money order for 1 week. The money order has all required information. It was issued by USPS. I am aware that by law, these should be processed in no more than several business days.