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 — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (FL)

The reason for this letter it to dispute unauthorized inquiries on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered 1 inquiry that I have no knowledge of. Because I did not apply for credit with Truist Dealer Services. Inquiry date was made on XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that any of the inquiries is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.
Consumer complaint received 2022-06-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hard inquires that i did not authorize XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX  XXXX, fXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong information addresses XXXX XXXX XXXX av XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am writing to dispute the information that was reported to XXXX by your institution, CAPITAL ONE. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in 15 USC 6801 ( a ). According to the Gramm-Leach-Bliley Act ( GLBA ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for CAPITAL ONE to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers. Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information. I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter. Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

According to bank statements on XX/XX/XXXX a XXXX XXXX XXXX XXXX started making charges on my debit card that was in my possession in XXXX XXXX XXXX 
a XXXX search shows the XXXX prefix at the beginning to mean the merchant is using XXXX ( a service used by a business to charge credit cards ). A search using the XXXX website shows XXXX XXXX XXXX XXXX  to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this is or what they do. I have no business with nor have I had any contact with this business. I did not give them any information and I did not authorize them to make any charges to my card. According to the bank statement at Bank of America the charges started on XX/XX/XXXX and there were 8 charges between XX/XX/XXXX and XX/XX/XXXX XX/XX/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 that I do not know and did not authorize. 
I have no who this is or what they do. I have no business with nor have I had any contact with this business. 
I did not give them any information and I did not authorize them to make any charges to my card. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XXXX XXXX I noticed the charges on XX/XX/XXXX I called Bank of America and reported all unauthorized charges. I called back on XX/XX/XXXX and was told the XXXX XXXX XXXX' charge had not been reported so they opened a case for that one then. 

After hearing nothing I called back on XX/XX/XXXX. This is when I was told they had found the claim not in my favor. The reasons given was there was a deposit before the charges started. The deposit was from XXXX and unrelated to the unauthorized charges. There are deposits from XXXX every other Friday and have been for years. 
The other reason was they determined I had " an existing relationship with the merchant '' this is untrue and they based it on a charge to a completely unrelated merchant that also used square. Their " investigation '' simply amounted to, there was funds in the account and I had purchased from a different unrelated business that used the same credit card processing company. This is at best incompetent and seems to be more dishonest than incompetent.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

US Bank Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, US Bank now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with US Bank to have the past due payments removed from our credit report, but US Bank continues to say their reporting is valid.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TX)

XXXX XXXX XXXX closed my account ending in XXXX with an outstanding balance of {$220.00} which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which XXXX XXXX and Early Warning Systems are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXX XXXX 's response letter ( attached ; page XXXX ) which states " Our records do not show any fraud claims being filed with XXXX XXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.
Consumer complaint received 2022-06-07
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: Rocket Mortgage, LLC (GA)

I have inquired about refinancing recently and first wanted information from different companies. I did not agree to any credit checks from multiple lenders purposely. Rocket mortgage not only pulled credit without my permission on XX/XX/XXXX they repeatedly have sent mail, text, and email to offer me a loan. I had an appointment to discuss details with 2 other lenders. & I never spoke to XXXX at rocket Mortgage ( on the 3rd ), I never gave my social, but he ran my credit report per a letter I received after learning he no longer works at the company. I explained unless they can do better than my current interest rate I am not interested.

I am concerned this may be the tip of the iceberg. They are unusually persistent after being told no. on 3 separate dates by phone. I know this is not the proper procedure and I am sure I am not the only victim.
Consumer complaint received 2022-06-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
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: BARCLAYS BANK DELAWARE (IN)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
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. (NY)

In regards to account ACCOUNT # XXXX, I asked all 3 bureaus to verify and fix the inaccurate account. XXXX  XXXX is reporting a charge off of {$6000.00}. The loan was paid off by my insurance company and the difference was covered by GAP insurance covered by XXXX at the time of signing XX/XX/2019. The only balance owed after the insurance payment was the {$1000.00} deductible. I asked XXXX  XXXX to provide me where they got this number from and failed to reply within 30 days. After I disputed this, the information was never corrected and as a violation of my rights I am reporting that the bureaus failed to do a proper investigation of the debt.
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: Bread Financial Holdings, Inc. (CT)

I paid off my XXXX XXXX  Credit card to a XXXX balance on XX/XX/22 for {$160.00}. On XX/XX/22 Comenity? XXXX XXXX assessed me a {$1.00} finance charge on a XXXX balance. They assessed me another {$1.00} the same day. Because I paid it off, I didn't check my account to see that this has happened. Now Comenity Bank is reporting late payments and keeps adding late fees. My balance was XXXX on XX/XX/22. There should have been no other fees added. I want the credit reports updated to show no late payments and balance back down to XXXX.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

Text and emails from www.synchrony.com phone # XXXX XXXX Claiming {$9.00} was charged on my TJM rewards card and this was a fraud alert and to verify if I recognized this purchase. When I called they wanted the numbers on that card, I would not give them. They wanted my address, I said to email. They wanted physical address. I asked them to tell me what they had and I would verify, they denied. I asked them to verify my address in bits of information I gave them, giving them incorrect information in some cases and they could relay that it was not what they had on file. They asked if I had lost any of my forms of ID. I replied no. I tried to call them back to inform them I was reported this as scam and the automated system said it didnt recognize my number and could not put my call through.
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 status incorrect
Company: Rushmore Service Center, LLC (NY)

XXXX XXXX XXXX  sent my debt to a collection agency called Rushmore. I had an agreement of pay to delete and was sending all my money there. Rushmore eventually contacted me in 2021 to tell me that XXXX XXXX bought back the debt. They did not inform me of this and even though the account is paid in full they are reporting a charge off actively on my account. XXXX XXXX has not contacted me nor has validated the debt I requested within 30 days. They also removed my access to their banking system and made it hard for me to pay off this debt. Luckily I finally got in touch with someone after trying for a month to make the final payment, even though the debt was satisfied with Rushmore Service Center.
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called your department after I purchased a credit report with XXXXXXXX XXXX XXXXn XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX-This isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : CAPITAL ONE XXXX
Consumer complaint received 2022-07-14
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these addresses according to the Per FCRA 605B ( 15 U.S.C. 1681c-2. It is not authorized to fail to validate these reporting addresses as unverified information without providing any proof within the period allowed by law. The following addresses need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-07-14
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)

My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on XXXX and TransUnion Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX CA XXXX ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received my monthly statement and noticed the Escrow Account monies being held by Bank of America was twice as high. 

I spoke to someone named XXXX who explained that even though the amount needed to cover taxes and insurance is much less than what is being held in escrow that Bank of America policy is not to refund that money until next year. 

So With inflation the highest its been in XXXX years. Gas prices food and everything Bank of America is going to hold unneeded customers money until next year. There are excess funds in the escrow but customers have to wait for XXXX months????
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. (NY)

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act XXXX XXXX you are required to remove the undistinguished address on my credit report. This account included in the dispute are : XXXX XXXXXXXX