davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit XXXX, XXXX, and trans union shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} U S DEPT OF EDXXXX XXXX Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently sent in the complaints attached requesting an update to my personal information. The companies have stated that this information was in the process of being updated. I recently pulled my report and still see the inaccurate information. This information is fraudulent and does not belong to me. I demand that this information be removed as requested. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy...

( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller. 

Therefore, my position is being clearly stated, these personal information items as reported are in error, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate information means that you, this credit reporting agency, are reporting incorrect accounts/and or items.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, XXXX XXXX : XXXX amount {$170.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX {$170.00}. 
XXXX XXXX XXXX amount {$4000.00}. 
XXXX XXXX XXXX amount {$8900.00}. 
XXXX XXXX XXXX amount {$3000.00}. 
XXXX XXXX XXXX amount {$4200.00}. 
XXXX XXXX XXXX amount {$1700.00}. 
XXXX  amount {$100.00}. 
XXXX XXXX XXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  amount {$510.00}. 
XXXX  XXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am trying to obtain a pre-authorization for a mortgage. On the report obtained by XXXX XXXX XXXX, using a third party ( XXXX - Phone # XXXX ), on which it says the information shown was obtained by the Experian credit bureau, there was a significant amount of incorrect pieces of information, including 4 or more late payments that did not occur ( I am only saying 4 or more now because, despite trying, I have been unable to get a complete understanding of why/if these errors are actually on my Experian report. 
There is a lot that is hard to understand about my situation. 
I have confirmed that the inaccuracies are not on my XXXX or XXXX credit reports ( up to date ). 
As for Experian, since I have a membership, I was able to cross reference the report provided by XXXX and my " up to date '' Experian report on XXXX. Of the 4 " late payments '' that were reported within the last 6-months, representatives told me they were not visible to them. They said I do not have a late payment reported, despite me seeing he late payment provided by their bureau. One of the late payments that was visible to the representative was reported in XX/XX/XXXX, despite the account being closed in XX/XX/XXXX. When I questioned how this was possible, the representative agreed it is not, and is a mistake. However, despite calling three times on XX/XX/XXXX, each time the representative tried to connect me to the " dispute department, '' the call ended. Thus, I have not been able to dispute these discrepancies.
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My credit card -- which I use heavily and which multiple automatic payments are tied to -- expires in XXXX of XXXX, and I have been getting many reminders from vendors about updating it. I am leaving the country on XX/XX/XXXX for a vacation. 

* I tried several times to resolve the issue through the website, but could not find any part of the website that addressed my issue. 
* I called on Friday, XX/XX/XXXX to enquire about timing for a replacement card for my expiring card. 
* While waiting to speak with a representative, an automated message said that a card had been mailed to me and asked if I was calling to activate it. 
* I spoke with XXXX (? ) who was very pleasant. She said that it would be arriving " any day '' because it had been sent on XX/XX/XXXX and would take 7-10 business days. 
* XXXX said that the card would arrive in an unmarked envelope. 
* I pointed out that it was already the 10th business day and that I have USPS Informed Delivery, with copies of scans of every piece of mail I receive. There were no unmarked envelopes on any of the scans in the previous 10 days, nor was one seen on the mail that was being delivered that day. There were also none with USAA on the outside. 
* She said it should arrive any day and asked me if I wanted to cancel that one and have her reissue the card and expedite it. I said that if she was sure it was sent on XX/XX/XXXX, and that I would get it by Monday, that I would wait. 
* Saturday XX/XX/XXXX nor Monday, XX/XX/XXXX brought the card, so I called USAA at XXXX XXXX  on Tuesday XX/XX/XXXX. 
* Before the USAA rep ( XXXX ) answered, an automated message said their records showed that I had recently received a card and asked if I was calling to activate it. I indicated that that was not the purpose of my call. 
* I explained the issue to XXXX. XXXX indicated that I was mistaken and that the card had not been sent until XX/XX/XXXX. She offered to cancel the card and send me an expedited one with uncertain timing ( 2-3 business days, probably ). She also told me that she could not waive the {$20.00} fee, but that I could call back and request that the fee be removed. 
* She asked if it was OK and I told her that it was not OK but that I did not see any choice and so I would agree to pay the fee. 
* I asked what would happen if the card did not arrive before my trip. She indicated that when the card is delivered to my home- even if I am already out of the country and unable to use it or activate it, my current card will stop working. All of the charges against the card for all of the services we charge to it will be denied and I will have no working XXXX XXXX  in XXXX. 
* Whether or not the card will get here is uncertain, given USAA 's previous mistakes.
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (CO)

XXXX ) XX/XX/XXXX AssetCare reported XXXX derogatory remarks to my credit report for Medical debt accounts that I have already disputed with them, and do not owe. One debt is for than {$180.00}, and the other one is {$540.00}. 
XXXX AssetCare reports that the date opened is XX/XX/XXXX, which is also not acurate. 

XXXX ) XX/XX/XXXX I called AssetCare at XXXX and spoke with XXXX. I informed the rep that I disputed the debt, and requested a XXXX XXXX XXXX, XXXX XXXX, and my consent to share my information with a third party debt collector. 
- To Date, AssetCare has yet to provide me with the aforementioned information that I requested. 

XXXX ) Date of Service : XX/XX/XXXX & XX/XX/XXXX - Original Debtor : XXXX XXXX XXXX XXXX, aka XXXX XXXX, XXXX. 
- Per AssetCare 's documentation on my credit reports they stated they acquired the debt on My Findings after speaking with my Health Insurance provider : Debtor, XXXX XXXX, failed to bill the insurance provider for the debt they have attempted to collect from me, and the Insurance Provider has confirmed there are no charges from these two accounts for the Date of Service they claim that I owe them. 

In each of their reports to my credit, AssetCare, has given false information for the amount owed, and not provided proof of HIPAA release to allow them the ability to create any remark to my credit. AssetCare has furnished information about unpaid medical debts to credit bureaus without reasonable written policies and procedures regarding the accuracy and integrity of consumer information provided to credit bureaus. 

XXXX, XXXX and XXXX have been notified of the incorrect reporting, and disputes have been made.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I am exploited by many criminals in XXXX XXXX and their international friends exploiting a marital separation i have to go through with XXXX in XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when i should be retired in XXXX XXXXXXXX. I have no income past XX/XX/XXXX and all my subscribers help or value that can be raised selling books i put online stolen. I was registrant of XXXXinfo since XX/XX/XXXX even now i have no income.
Consumer complaint received 2022-06-24
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: OPORTUN FINANCIAL CORPORATION (SC)

Good morning. I am extremely frustrated with my experience thus far as I have attempted to work with your company and utilize your hardship program. I initially contacted Oportun on XX/XX/2022 to discuss the fact that, due to a COVID related job closure, my income had decreased nearly 70 % and I was experiencing financial difficulties. One of your CSRs informed me that Oportun had a skip payment hardship program that I could enroll in that would allow me to skip payments on a monthly basis. I was told that I would still be charged interest, but that I would not have any late fees and that my account would not be reported as delinquent. I was also informed that I would still only be charged the {$25.00} or 5 % payment ( whichever was higher ) minimum payment once I was able to resume making payments. If I needed to continue utilizing the program, I was told to call back at least ten days before my payment was due in order to remain enrolled for subsequent months. 

I called back on XX/XX/2022 to enroll again and was informed that I could continue in the program. When I received my billing statement that month, I noticed that a late fee was charged and that I was being billed a past due amount. I called and spoke to another CSR who was unable to help explain what was happening and that I would have to call back later. Despite multiple attempts to get some more information and a resolution, I was unable to speak to anyone that was able to help me. I ended up filing a complaint with the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau in order to achieve some sort of resolution. 

I received responses from both of these complaints indicating that what I had initially been told was correct and that the late fee had been refunded. It was also reiterated that my minimum payment would only be 5 % of the balance when my payments resumed. Both of the responses indicated that I could continue to remain enrolled in the skip payments program as long as I called in monthly and spoke to a representative at least ten days before my due date. 

On XX/XX/2022, I called and requested an additional month of enrollment in the program. A CSR enrolled me in the program, read me the terms and conditions and informed me that I would need to call back in the next month to continue enrollment. When I received my statement this month, I again see that I have been charged a late fee and I still see that I am being charged past due amounts. My minimum payment is nearly three times what the 5 % payment should be. I have also been notified that Oportun has reported my account as 30 days delinquent on my credit report.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received Phishing Text message from XXXX saying my BofA XXXX card had been closed and was under review due to suspicious activity and to click on the link to XXXX XXXX XXXX Instead of clicking on the link, I went online and checked the account, which has not been used since XXXX. 

I have reset my password. No funds were taken, and the matter is secure on my end, but I wanted to report this info and Phishing
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I got Target credit card balance in the mail which I didn't apply for. 

I called Target this is a fraud. 

XX/XX/, the balance is {$950.00}.
Consumer complaint received 2024-10-25
Product: Credit reporting 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-10-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

Called to request a refund on my loan ( {$1200.00} ) at the end of XX/XX/2022. I have called several times since then and there has been no movement. I called again this morning, XX/XX/2022 and there was still no movement and no change.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have a home loan that i closed with the ledner i work with XXXX. The servicer is now LakeviewXXXX During that processing of closing the house ( being that it's a new build ) we projected the taxes based on the county tax rate and value of the property so that way i wouldnt have an escrow shortage. They did an escrow analysis prior to me being in the home for a year ( tax bill is out and has been out with the assessed value for this home since XXXX. ) During that analysis they did not review the correct information with the county and verify the taxes that are to be paid in less than 30 days. Now i have an escrow shortage and my payment has decreased which it should have NOT decreased. This is something that shouldn't happen, they should never do an analysis on the escrow prior to the bills being paid. Now i have to run around like a chicken with my head cut off waiting for a XXXX dollar check so i can make sure i can pay my taxes. Which SHOULD HAVE NEVER LEFT MY ACCOUNT until the bill was paid. This is terrible servicing and terrible customer service.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.