davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

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 2022-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I just received my investigation results and saw some accounts were verified. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. Also, I have included proof of inaccuracies with a copy of an inaccurate credit report. At this point, you are knowingly violating the Fair Credit Reporting Act and my consumer rights. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any small claims action. I am also including a copy of my complaint to the following organizations : CC : XXXX XXXX Assistant Director of EnforcementConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC. Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXXC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

United Wholesale Mortgage is misleading me and the Consumer Financial Protection Bureau website when they pretend to present the truth. 
They use deceiving practices and excuses themselves to say that they have allowed the Consumer ( me ) 45 days before they purchased insurance. 
The evidence attached here ( issued by United Wholesale Mortgage ) CLEARLY shows that they purchased insurance ( XXXX XXXX XXXX  ) BEFORE they even NOTIFIED ME. 
The day they purchased insurance is : XX/XX/2022. 
The day they pretend they notified me to purchase insurance is : Notice XX/XX/2022. ( 12 days AFTER THEY PURCHASED INSURANCE ). 
Please STOP LIEING! Please STOP abusing me and my ACCOUNT.! 
The Forced Placed Insurance cost was a : {$6400.00}. The regular insurance cost is {$1100.00}. Do the math please! These facts CLEARLY shows they wanted to abuse my account and me. 
Dear Consumer Financial Protection Bureau, are you planning protecting us, the consumers? 
For how long should you tolerate this abusive practice against me?
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I got multiple invitations from Citi diamond card that I am part of a select group to invited to ask for a Credit limit increase with no effect on my credit score. Citi diamond kept bugging me sending multiple letters and emails encouraging me to ask for an increase. I thought well i'll do that just to stop the stream of mail. I log to computer & it auto-fills my password and takes me to Citi Costco Visa Card. I got wrong phone #. So I call tell the Agent that I am calling in about the invitation to ask for a credit card increase without a credit check. He puts me on hold then he comes back and says " okay, let 's start that, so you want to ask for an credit limit increase? '' He should have said I don't see that offer!! He runs a hard credit check and it's rejected so Citi Diamond got me hit this hard credit check because I mixed up Citi phone #, Costco Customer Service agent at Costco not paying attention at all
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Last XXXX SSN # XXXX RE : XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX TransUnion are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. You can't merely parrot the furnisher information.Your agency 's failure to conduct a proper reinvestigation and your reliance solely on the furnishers ' information not only puts you in violation of the FCRA but also subjects me to potential financial harm and distress, as inaccurate credit reporting can affect my creditworthiness and financial opportunities. 
1. Delete this inaccurate account because date of last active XXXX XXXX Acct # XXXX XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 

2. Delete this inaccurate account because date of last active XXXX XXXX Acct # XXXX XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I am also including the reinvestigation File Numbers : XXXX and XXXX see attached documents. Proof of no reinvestigation and no change was made to circle and highlighted date last active. 

Section 611 ( a ) ( 1 ) of the FCRA clearly states that " A consumer reporting agency shall ... conduct a reinvestigation ... of the disputed information. '' This reinvestigation must be conducted in a manner that is fair and reasonable to ensure the accuracy of the information reported. Additionally, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates that if the information is found to be inaccurate or incomplete, the consumer reporting agency must promptly correct or delete the information. Failing to do so further compounds the violation of the law. Therefore, I am formally requesting that your agency reopens my dispute and performs a full and diligent investigation into the accuracy of the disputed items, as required by the FCRA. I also demand that any inaccuracies found during this reinvestigation be promptly corrected or deleted from my credit report, in accordance with the provisions of the FCRA. All CFPB complaints maybe used as legal evidence. 
Regards XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report via XXXX, and it looks like XXXX recently checked a copy of my personal credit report. I am not doing any personal business with the company and the inquiry should be removed from my credit report immediately. I also do not personally have any type of account with XXXX. 

The inquiry is dated XX/XX/2022. 

Please remove immediately. 

I chatted with both companies. XXXX redirected me to Experian and Experian redirected me to 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. (CA)

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called TransUnion, XXXX, and XXXX after I purchased a credit report fromXXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX FAIR AV NORTH XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : $ XXXX : XXXX XXXX my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED 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 ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer. 
A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by TransUnion, XXXX, and XXXX not blocking theseitems are inadvertently resulting in me being extorted.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE Re ; Fraudulent credit line cash advances This credit card authorized cash advances without my for knowledge or me being aware I paid for things and cash advances due to having my Fidelity account linked to the capital one account and XXXX XXXX card. Ones realizing this they closed my accounts denied me access to them then continued to charge me interest and forbearance charges in principle mounting the total to an astronomical sum. 

I need this to be vindicated and resolved they changed the original card numbers ending in XXXX and XXXX to other cards said they sent new ones without even asking me then retracted and said they closed the accounts I disputed everything they made a decision in less than 24 hour when there policy is 60-90 days. 

I distrust there disputes and am complaining due to being lied to by 7 agents saying 7 different things about the same questions I asked over and over. 

Amount both credit card {$540.00} cash advances and interest charges. Not missed payments. 





Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from XXXX XXXX XXXX, & one from the XXXX   XXXX XXXX. I submitted this dispute to all three credit bureaus, XXXX, XXXX , & Trans Union, on XX/XX/2019, Requesting the XXXX Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.
Consumer complaint received 2022-08-21
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. (FL)

XXXX XXXX XXXX has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (RI)

My car was totaled on XX/XX/XXXX. My insurance company, XXXX, reached out to the Huntington National Bank for the payoff amount and I received a noticed that a check had been mailed on XX/XX/XXXX. On XX/XX/XXXX I received a notification from Huntington National Bank that my loan payment was overdue. I reached out to the bank on XX/XX/XXXX to find out why the check had not been applied. They stated that they did not receive the check. I asked my insurance company to send a new check and have the check overnighted with tracking information. The check was received and signed for by XXXX XXXX. When I called Huntington Bank to see if the check had been applied yet, they stated that they had not received the check and opened a lost check ticket. After investigation, Huntington stated they had received the check but that the vehicle 's VIN number was not on the check, so they did not apply it. They also stated that the payoff amount had gone up. My insurance provider, XXXX, sent me photocopies of the check which shows the account number and VIN number were both on the check stub. XXXX sent yet another check overnighted on XX/XX/XXXX. This check was finally applied ; however, Huntington National Bank is insisting there are late fees and a remaining balance of {$140.00}. All checks mailed to Huntington National Bank did contain the appropriate information on the check stub, yet they refused to apply the checks and continued to increase the balance of the loan so new checks needed to be made out. At this point, we are well into XX/XX/XXXX and Huntington NationaXXXX Bank is continuing to drag this process out in order to add to the loan amount. My insurance provider continues to send checks and when I call Huntington National Bank they insist their records show that the checks did not have the appropriate information on them to be applied even though I have photocopies of the check showing they do. My most recent call to them today, I was told that they have tried to reach out to me to resolve the issue but I have not received a single call. I have already purchased a new car and made sure to use another bank for the loan. The last thing I need is for this to impact my credit as I have never missed a loan payment in the past. Today when I asked to speak to a Huntington National Bank supervisor I was hung up on. I hope the calls are recorded. 
My car was totaled when it rolled over off a dirt mountain roaXXXX in Vermont with my father and my XXXX XXXX inside. I just want this loan closed out to put this awful car accident behind me and my family.
Consumer complaint received 2024-12-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (NC)

Complete Credit Solutions is reporting a debt for XXXX XXXX XXXX inaccurately. This debt stems from a furniture rental and XXXX refused to come collect the furniture at the termination of the term. When I followed up to ask why they didn't come to collect the furniture I was told " the account manager was no longer working for XXXX ''. I again gave them the location of the furniture and followed up numerous times. XXXX XXXX XXXX never collected the furniture despite my efforts and fullfilling the agreement. I am requesting the immediate removal of the XXXX XXXX XXXX chargeoff and the Complete Credit Solutions Collection from XXXX, XXXX, and XXXX.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021