davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (CT)

Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 UNVERIFIED INQUIRY IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you. 

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

Initially spoke to Citi on XX/XX/XXXX regarding non-fulfillment of the promotional bonus offered for opening a checking account, enrolling in the bonus offer and depositing and maintaining a balance of {$10000.00} for 60 days. 

I made sure the offer had been applied, and as you can see by the chat log attached and what the customer service rep confirmed, that all parts of the offer were fulfilled on my end as indicated below : Account was opened in XX/XX/XXXX with initial deposit of {$10000.00}. 
Minimum balance of XXXX USD was kept for 60 days until XX/XX/XXXX. 
Cash bonus was not deposited within 30 days as assured by the promotional offer. 

I have attached a conversation with the first customer service rep on XX/XX/XXXX. 
I contacted them through the phone various times on XX/XX/XXXX, then again the week of XX/XX/XXXX, and they " escalated '' the issue to the promotional team who said this would be resolved in the next XXXX business days. It never did and I did not receive a response. Today is XX/XX/XXXX which is roughly XXXX business days after. 

I have attached a copy of the promotional offer as well.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-07
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. (TX)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2020-12-04
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. (MD)

On XX/XX/2020 about XXXX eastern time i called XXXX  , XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Consumer complaint received 2021-06-30
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)

Experian sends me a report of corrected disputes. however they never correct wrong information LIKE MY NAME AND Yes my middle name XXXX but my son on my credit report demonstrates how inept these people are OR they just don't care! Now read If you believe that information belonging to another person, including a family member, may have been combined with your information, it is necessary for you to contact us by phone for assistance at XXXX XXXX XXXX XXXX. This type of situation requires special handling. If you chose this reason in error and do not believe that another person 's or family member 's information may have been combined with your information, select a different reason to continue your dispute. REALLY Select a reason I have to call?? Try to get through and what are disputes for.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (CA)

I purchased earbuds from XXXX in a credit bases online from the XXXX website. Later in a month I was decided to pay off and got to the same website but couldn't find my account details. I tried to call them no way to get in touch at all. I sent out email and nobody was returning it at all. After a months later, they sent out a bill with penalty to pay and get a phone call to pay them amount with interested, I refused to pay penalties but willing to pay the full amount in my purchase. Then they screwed up my credit and get denied my refinance application because of it. At the end I found out that they have another website which is totally diff. from XXXX. which they claim are financing to XXXX ( XXXX ) where they were expect me to pay for. To make it worst I called the number in XXXX account statement bill and they told me that it's TB Bank which create frustration and how the customer service is handling all the billing paying access difficult. I have spoken XXXX and XXXX from the customer service.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-12-04
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. (MD)

On XX/XX/2020 about XXXX eastern time i called Transunion , XXXX  and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Consumer complaint received 2024-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

I sold my house and check was sent to morgage company XXXX Every single time I call I recieve a different answer regarding funds overage I have XXXX different documents that state different escrow amount also a document stating insurance was not paid but it was One document states XXXX XXXX I applied XXXX customer service people state a check was sent XXXX said no no check was sent A payment of XXXX was sent but they applied a payment of XXXX All of it is extremely confusing and very contradictory I am owed money even my closing attorney said it I just want a break down from XXXX til now none of it makes sense
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Upon intense inspection of my credit file I found a total of SEVENTY-ONE ( 71 ) errors and therefore SEVENTY-ONE ( 71 ) violations Experian made against me. Proof of these errors/violations has been attached to this CFPB Complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX XXXX XXXX I am distressed that Experian had included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 

Experians failure to positively verify these accounts HAS HURT MY ABILITY TO OBTAIN CREDIT AND I AM DISTRESSED. Under the FCRA, unverifiable accounts MUST be removed and if you are unable to provide me a copy of verifiable proof, you MUST remove the accounts listed below : I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT XXXX. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXXXXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 7. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT
Consumer complaint received 2022-09-27
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: NAVY FEDERAL CREDIT UNION (WV)

XX/XX/22 - Purchased food from XXXX XXXX for {$99.00} XX/XX/22 - Duplicate charges shown on card for {$99.00} XX/XX/22 - Called Navy Federal Credit Union to dispute duplicate charge XX/XX/22 - Messaged & called merchant and they provided screen grab only showing XXXX charge on their account- the issue is on the Navy Federal Credit Union side XX/XX/22 - Called Navy Federal Credit Union again to resolve the issue but they advised to wait while their dispute department reviewed the claim XX/XX/22 - Visited Merchant in person to cancel the charge completely on the Navy Federal Card and paid with my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX Called Navy Federal and messaged copies of the cancelled item and confirmation receipt of different payment method XX/XX/22 - Called Navy Federal Credit Union again - will not issue a refund XX/XX/22 - Received message from Navy Federal that they are closing my claim since they show a credit of {$99.00} -- still outstanding charge of the duplicate charge for {$99.00}
Consumer complaint received 2020-12-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In late XXXX, my father died. He had multiple accounts and CDs with Capitol One Bank. Many of the accounts were jointly held with my mother with right of survivorship, but some only had her or I listed as the beneficiaries. She is in a long-term care facility suffering from XXXX, and with my father 's death, I have power of attorney over her financial affairs. 

After multiple contacts and providing the power of attorney, letters from her doctor regarding her condition and his death certificate, Capitol One Banking could handle transferring the joint accounts over to my mother and set up my power of attorney so that I could pay for her care. This experience was frustratingly time intensive but not any different than dealing with other banking institutions with whom I had to go through this same process. 

But the Capitol One Bank Estate Department has been impossible to work with to obtain the funds my father listed us as beneficiaries upon. You can not reach the department by phone, nor can the banking customer service representatives at Cap One. The banking department keeps sending additional requests for the same documents I have already sent them. I have filed multiple forms for them. They refuse to transfer the funds to her other Cap One accounts, even though it's the same institution. Instead they keep insisting that they need to send out hard checks to the addresses on record ( despite the risk of large checks going through the mail to my parents ' house where neither of my parents is obviously able to receive them ). But even when I accept this risk and ask them to process the checks, they repeatedly keep saying the checks are coming and extending the length of time they need to process the checks. 

I provided them all the documentation and requested that they accomplish this on XX/XX/XXXX. As of today, they are telling me that they need another 7-10 days and that I need to again submit the same documents I have previously sent them. When I call the banking customer service representatives they are sympathetic, acknowledge that I am designated as POA on my mother 's banking accounts, but are powerless to provide any relief or even to directly contact anyone in the Bank Estate Department. This is particularly troubling as I need access to my father 's accounts to continue paying for my mother 's medical expenses. 

Please investigate Capitol One 's Bank Estate Operations Department.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive contacted transunion numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXnquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX  * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX