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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, n 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 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have tried on numerous occasions to obtain a credit line increase with this company. I have 3 credit cards with the company and I have always done well with paying. When I initially opened 2 of the cards I was advised after 6 months I would qualify for a credit limit increase. Every time I apply I am denied and Im sick of it. I have had to open other cards to achieve the spending power I need and deserve based on my current payment history with this company. I have mostly paid my balance in full and the denials just arent fair.
Consumer complaint received 2022-02-14
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: U.S. BANCORP (UT)

USBANK needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Consumer complaint received 2022-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

In XXXX of XXXX  my mortgage was transferred from XXXX XXXX to XXXX XXXX. Due to this transfer my payment made in XXXX was not processed by XXXX XXXX and was transferred as through it was. 

Come XX/XX/2022 I went online to XXXX XXXX  to make my payment as I had been doing, and it showed I had a past due balance of XXXX plus late fees. I paid this amount, after being told XXXX XXXX  was proceeding with foreclosure and demanding the money right then and there. 

In XX/XX/2022, it still showed I was past due for XXXX, when calling in to XXXX XXXX again, I was again demanded a payment of XXXX, or they would foreclose on my home. Also demanding that I provide them updated phone numbers and contact info. Had to demand that I speak with a supervisor. Who discovered that while XXXX XXXX had collected my payment they had not applied the nearly XXXX to my account it was sitting in a cash account. 

End of XX/XX/2022, I called in because I still could not make a payment online and the payment still showed past due for a greater amount then just the amount due for XXXX. Discovered that the payments and amounts had not been applied. 

Now here we are XXXX of XXXX, I call in because I received a Real Property Notice of Valuation and wanted to discuss this with XXXX XXXX I am forced to take extra steps to provide documentation to even understand if th

e documentation is needed by my lender or will help lower my payment. Note : speaking with a manager she was able to help identify and resolve the concern however the continued frustration with XXXX XXXX  / lakeview is the inability to resolve issues and concerns typically in one call or without speaking to a manager. Being provided wrong or incorrect information by the default department, or just general lack of knowledge due to training or education.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-10-22
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. (CA)

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions.

Sent certified mail to XXXX, XXXX, and Experian. Sent Certified Mail on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-06-08
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. (LA)

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXXd, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

Disputed a transaction on my credit karma spend account which was difficult I had to threaten to call my lawyer for them to file the dispute. They then froze my account the following day after refunding the disputed transactions. I have contacted them over 100 times. I am now XXXX  and with out funds for me and my kids because credit karma froze my account without notice or explanation. I have requested to close my account and refund my money back to the bank account I have linked with credit karma. Nothing has been done at all they wont respond or release my funds or close my account. I have lost and tried everything because of credit karma.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

I have been receiving notices from XXXX XXXX  and TD XXXX XXXX XXXX that I was behind on payments to my account since XXXX or XXXX of XXXX. Knowing that I never opened a card or account with XXXX XXXX XXXX, or TD XXXX XXXX XXXX I was throwing the notices away thinking they were some sort of scam tactic to try to get my personal and/or financial information. On the third notice, I decided to investigate. I accessed my bank 's tools and I was able to access my credit report. My credit score had dipped XXXX points since XXXX! My credit score was very high ( XXXX 's ) and now it's in the XXXX 's! I looked at what accounts I had open, and sure enough, it said I had an account open with XXXX XXXX  since XX/XX/XXXX. It showed as a revolving account of {$76.00} a month and all payments were made up until XX/XX/XXXX! 

On XX/XX/XXXX, I called XXXX XXXX to inquire, but it was a Saturday, so they gave me several numbers to call during the weekday. 
XXXX  Customer Support : XXXXXXXX XXXX XXXX Fraud Department : XXXX XXXX XXXX Federal Trade Commission XXXX I called XXXX Customer support on XX/XX/XXXX to inquire if there was an account open associated with my name, phone number, or any of my email accounts. There was nothing. They suggested I reach out to the XXXX XXXX Fraud Department. 

On XX/XX/XXXX, I called XXXX XXXX Fraud Department and they directed me to go to www.myonlineaccount.net to dispute the account. They also made a note of it on my " account '' so my complaint could be attached to the account. I did so, but have not heard anything back yet. They also suggested I call the Credit Bureau and Federal Trade Commission at the numbers shown above. 

On XX/XX/XXXX I called the FTC and it mentioned a website to enter my information/complaint and because of the nature of the complaint I was directed to submit a complaint with the CFPB.
Consumer complaint received 2022-06-08
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. (AZ)

I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (NY)

Inquiries Of Credit Cards were made to my report without my consent i never applied for those credit cards which they were made on this following dates XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

I am the POA and court-appointed conservator for a checking account holder at Wells Fargo XXXX I became her POA in late XX/XX/XXXX. Upon reviewing her financial records, it was apparent that there were fraudulent checks clearing her account from XX/XX/XXXX - early XX/XX/XXXX. In fact, a letter was found from Wells Fargo Fraud dated XX/XX/XXXX stating that there was potential fraud and that the account would only be unfrozen if the accountholder contacted XXXX. I went to a Wells Fargo branch on XX/XX/XXXX to provide the POA agreement and notified them that there was check fraud occurring that amounted to over {$50000.00}. I was told the POA agreement would be sent to Legal for review. On XX/XX/XXXX, I returned to Wells Fargo to get statements and sign for the account ; that documentation was being processed but I received the copies of the checks. On XX/XX/XXXX, I returned to the branch and asked to make a fraud claim to attempt to regain the funds. I was told I was not yet added to the account so I could not do so. I returned again on XXXX and was told the POA was not yet processed even after explaining the urgency. On XX/XX/XXXX, I went to the branch to sign additional documents and was added as POA. Checks continued to be presented on the account and some were rejected for fraud. One check did clear the account for {$4500.00} on XX/XX/XXXX. Why was this allowed to happen? Why did Wells Fargo leave an account open that was clearly compromised? It is extremely difficult, if not impossible, to speak to someone at Wells Fargo who can address this. I have called and I just get passed from one department to another. Branch employees are not able to help with fraud. My client has losses of at least {$61000.00} and Wells Fargo has still not taken a fraud affidavit. I felt that making a written complaint was my only option at this point to see if someone will at least speak to me and explain why appropriate measures were not taken and why I was not permitted to file a fraud claim.
Consumer complaint received 2022-06-08
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. (AZ)

I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the Equifax data breach that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this breach has had on my financial security and personal privacy. 

On XX/XX/XXXX, I learned that my personal information, including my Social Security number, date of birth, and financial details, was part of the massive data breach involving Equifax. This breach has left me feeling vulnerable and anxious about potential identity theft and fraud. 

Despite Equifax 's efforts to notify affected individuals and offer credit monitoring services, I believe that the response was inadequate given the severity of the breach. I have taken steps to protect myself, including enrolling in credit monitoring services and placing fraud alerts on my credit reports. However, the emotional distress and potential financial repercussions from this incident are ongoing concerns. 

I urge the CFPB to take appropriate action against Equifax for their failure to adequately secure consumer information and to ensure that they are held accountable for their negligence. Additionally, I request that the CFPB promote more robust regulations to protect consumers from similar breaches in the future. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the actions taken in relation to my complaint.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.
Consumer complaint received 2022-07-29
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 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 im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.