davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXXXXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}
Consumer complaint received 2022-12-15
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. (FL)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2022-05-24
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: CNG FINANCIAL CORPORATION (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, one or two companies made a mistake and denied my name and XXXX  accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My XXXX is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX goods outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2024-10-15
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 5 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 Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX 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 ( 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 creditor. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
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. (IL)

Fraudulent XXXX XXXX has been removed from my Account # XXXX Experian and XXXX are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXX fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : XXXX
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I noticed today XX/XX/20 on my banking app that my balance was a few XXXX dollars short and I immediately had an unrecognized XXXX gas station charge for XXXX . I've never spent that much at a gas station in my life! And I drive a XXXX XXXX. The charge was a 40 minute drive from me. I called XXXX and they say my debit card was most likely skimmed and duplicated. I've been holding back tears all day. My life has been hard enough with this pandemic going on. I already contacted my bank, Bank of America but I want a fair and speedy investigation and accountability. I'm missing at least XXXX $ maybe more.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank Statement Date : XX/XX/2021 - XX/XX/202 New Balance {$9500.00} Payment Due Date XX/XX/2021 I paid the above new balance, plus other charges. XXXX credited on XXXX, amount XXXX. On XX/XX/XXXX I paid {$42.00} for one remaining charge. Both payments were on or before the payment due date. On XX/XX/XXXX interest charged of {$77.00}.
Consumer complaint received 2020-08-28
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. (NC)

On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.
Consumer complaint received 2022-07-11
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 (FL)

I used a Capital One ATM and was charged a service fee of {$10.00} and interest of % 0.50 with no notice of any fee. The XXXX XXXX XXXX XXXX XXXX is amending Regulation E ( Electronic Fund Transfers ), which implements the Electronic Fund Transfer Act ( EFTA ), and the official interpretation to the regulation. In XX/XX/2012, Congress passed and the President signed legislation amending the EFTA to eliminate a requirement that a fee notice be posted on or at automated teller machines, leaving in place the requirement for a specific fee disclosure to appear on the screen of that machine or on paper issued from the machine. This final rule amends Regulation E to conform to the EFTA amendment. 
No fee of any find was on the screen.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

IT HAS BEEN HELD IN XXXX XXXX XXXX THAT DEBT BUYERS COULD QUALIFY AS DEBT COLLECTORS. THEREFORE, LVNV IS IN VIOLATION OF THE FDCPA FOR FAILING TO XXXX ALLEDGED ACCOUNT ILLEGALLY REPORTING ON MY CREDIT FILES UNDER ACCOUNT # XXXX. 
LVNV RECEIVED MY VALIDATION REQUEST I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AND A DISPUTE TO CREDIT BUREAUS DISPUTING THIS ALLEDGED DEBT IN ITS ENTIRETY ALSO SENT CERTIFIED MAIL. 
LVNV IS IN VIOLATION OF THE FCRA AND FDCPA FOR NOT MARKING THIS ACCOUNT AS DISPUTED.I HAVE COPIES OF CREDIT REPORTS ALONG WITH DATES FROM CERTIFIED MAIL RECEIPTS AND CREDIT REPORT FILE # NUMBERS ON CREDIT REPORTS SHOWING BEFORE DISPUTE AND AFTER. 
I AM A LITIGIOUS CONSUMER AND WILL NOT ALLOW MY RIGHTS TO BE VIOLATED. I WANT THIS INACCURATE, INJURIOUS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.THIS ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020, Truist Bank sent a check to XXXX XXXX insurance company for {$1200.00} out of my mortgage escrow account to pay my annual hazard insurance policy premium on my home. On XX/XX/2020 Truist Bank sent another check to XXXX XXXX insurance company for {$1200.00} to pay my hazard insurance premium again, this was a duplicate payment in error and should not have occurred. I noticed the error on XX/XX/2020 as I thought it was odd to received a second email alert for another insurance payment coming out of my escrow account. I called the Truist Bank insurance department on XX/XX/2020 to report the 2nd payment and notify the bank of the error. I requested the duplicate funds to be returned to my escrow account. Every week since XX/XX/2020, I have called the Truist Bank insurance department asking for updates and as to why the duplicate {$1200.00} has not been returned to my account. I have been told different things by every person I have spoken to in the insurance department and some of the staff has even admitted to me after reading the notes that I have been told different things. For example, I was initially told a stop payment was placed on the first check and even was on a three-way call with XXXX XXXX XXXX and the Truist Insurance department. XXXX XXXX claimed they did not receive a second insurance payment! I have requested the bank do research and supposedly accounting requests have been completed. Now the bank claims both {$1200.00} checks have been cashed by XXXX XXXX. On XX/XX/2020 I was willing to talk to XXXX XXXX XXXX on a three-way call with the representative named XXXX from Truist Bank insurance deparment and XXXX told me the XXXX XXXX XXXX wait time of 18 minutes was too long for her to wait in a call center. Well, that is about how long we waited for the three way call back in XXXX. I have spoken to my XXXX XXXX agent, XXXX XXXX in XXXX, GA and she has notes from two different Truist Bank representatives calling her in XX/XX/2020. XXXX told Truist reps both times that only one payment has been received from XXXX XXXX and one rep from Truist even apologized and said she now sees where the bank canceled the check! This issue has caused me a significant hardship and cost me a lot of time calling every week since XX/XX/2020. Please demand that Truist Bank return the {$1200.00} duplicate payment that they lost somehow and ascertain my escrow payment is recalculated properly next year as it is not my fault the escrow account balance has been in the negative. The insurance department representatives at Truist Bank have failed me as a vigilant, well educated consumer who has made every attempt to help them correct their error. It is absolutely shameful to treat a loyal, paying customer this way. Please have my {$1200.00} returned to my escrow account ASAP and end this frustration. Thank you.
Consumer complaint received 2020-09-03
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. (NY)

I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.
Consumer complaint received 2022-08-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation of America (AR)

sent a validation letter to the company they did not send the correct information I asked for. This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. 
Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence, I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided, then you are too block and delete this inaccurate information
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 6th 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, or that I have signed any agreement. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage had spoken with me about my payoff back in XX/XX/XXXX. It was supposed to be XXXX. But now as of today XX/XX/XXXX the payoff was XXXX. I had my loan in deferment due to Covid but elected to pay back in payments, not a lump sum. They took the sum from my payoff. About XXXX total without any consulting with me or notice. They also did not explain this process to me when they explained the COVID forbearance action.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have now twice requested help in writing from USAA Savings Bank. Once in XX/XX/2020 and again a couple of days ago. I have contacted USAA Savings Bank through XXXX XXXX to resolve this matter. I am unable to go on-line through computer because the program does not allow for this sign-on. 

I mailed my payment a week ahead of the due date. It was not cashed until after I was charged a late fee, which is what I am asking to be removed from the account since I mailed the payment a week ahead of time. 

I'm hearing impaired and have explained that I wanted help in writing, not a telephone call. There has been zero written communication from USAA Savings Bank to me for the XX/XX/2020 request and so far, a telephone call today. The facebook messages all want me to sign up on line through a mobile device. This is active discrimination.