davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX  XX/XX/XXXX, I sent a wire transfer to an individual, who banks with Capital One. I sent a wire transfer of {$2600.00} for a security deposit for a lease on a house that I applied for. I received a virtual PDF of a contract, as well as text confirmation of that we would get the keys and contract to the house via mail, once the security deposit was sent. After one to two days without communication, after sending the money, we found out the house was a phantom rental. I reached out to both Capital One, the other party 's banking institution, who said they would not be talking to me regarding the wire recall. Instead, they said they would only work with XXXX XXXX  XXXX, which is where I bank, and where I sent the wire transfer from. XXXX XXXX XXXX said they are working to get my funds back, however there is no guarantee. On XX/XX/XXXX, I submitted all evidence regarding the incident between myself and the other party, to law enforcement. A police report was made ( report number is XXXX ), and XXXX XXXX was notified of this incident, and has been/will be investigating further. When I mentioned this to my bank, they said they can't do anything to get my funds back, other than send recall requests to Capital One. Even though there is a criminal investigation and police report involved, Capital One refused to take that information down regarding this incident, and my bank ( XXXX XXXX XXXX ), said they can take the information and try to relay it- however there is no guarantee that it will hold any importance. XXXX XXXX XXXX said that law enforcement would better be able to assist my issue, however, XXXX XXXX Police Department said they will only be pursing criminal charges, and won't/ca n't take action in order to get my money back from this fraudulent incident. I have not heard from my bank regarding any updates, and the last update I had was during the week of XX/XX/XXXX, where they said that they are simply just filling out paperwork and sending it to XXXX XXXX, in an effort to recall the money that was wire transferred.
Consumer complaint received 2023-01-21
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. (OH)

In accordance with 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 XXXX XXXX XXXX XXXX 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 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 1691s-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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

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

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 1691s-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 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (LA)

XXXX Hurricane Laura causes significant damage to my home and it is unlivable XXXX Hurricane Delta causes additional water damage to my home XX/XX/XXXX - Repairs completed on my home can not get XXXX to pay even when supplemental claims and estimates were provided in a timely manner multiple times. I had to pay mostly out of pocket for $ XXXX in damages XX/XX/XXXX - hired a public adjuster who worked my claim and XXXX denied payment, filed suit through an attorney in XX/XX/XXXX XXXX settlement agreement reached with XXXX during mediation XXXX Homepoint Financial receives my settlement check and has held it ever since. They will not release my payment even though they Refinanced the house in XX/XX/XXXX and transferred the loan in XX/XX/XXXX to a new servicer with a greater value assessment than the previous year. I have never missed a single payment. I need my settlement money released to my attorney so that I can pay my XXXX and recuperate the out-of-pocket money I spent to rebuild without the assistance of XXXX for over two years. 
XX/XX/XXXX Attorney spoke with a supervisor in loss department and they still have not released any of the funds.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

CitiBank advised me by letter on XX/XX/22 that an account had been opened in my name in XXXX, NY and they put the account on restricted status until I could verify it. I live in Florida and had not opened such account. A check that had been sent to me from a law firm in NY was apparently stolen ( in the amount of over {$30000.00} ) and then someone using my identity opened this account. The account number is XXXX. The Citibank reference number for this complaint is XXXX. I advised Citibank of the stolen check and stolen identity in XXXX and was told this would be investigated and the account frozen. No funds had left their account, and they were to refund the money to XXXX XXXX where the check originated from. In XXXX I was told that my claim was approved but they were " processing '' the refund to XXXX. The maker of the check is the law firm of XXXX XXXX XXXX, in XXXX, NY. Two days ago I was again told by Citibank that the transaction is still under investigation and the refund is being processed. It is more than 120 days since this fraud was reported and Citibank still has not acted on returning the money to XXXXXXXX XXXX so that XXXX XXXX XXXX can issue me a new check.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (FL)

I had a club membership for XXXX XXXX and had to cancel it due to relocating. They stated I had to wait three months/ 90 days and I could cancel it I went into the health club physically signed documents to cancel the membership and they said everything was paidNow I have this on my credit when I paid. This is erroneous charges and needs to be removed from my credit report
Consumer complaint received 2023-06-10
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/23 - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2020-10-28
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. (MO)

I attempted to get a car loan from XXXX XXXX in XXXX XXXX, Missouri on Monday XX/XX/2020. I was told that because of a student loan for XXXX they could not give me a loan. I told them because I am 100 % permanently and totally XXXX through Social Security, and considered individually unemployable and being paid 100 % XXXX by the VA, that those loans were going to be dismissed. I then told him that I thought they had already been taken off my credit report. He said it was on one of the credit reporting agencies reports and none of the financiers would touch the loan because it would mean a XXXX a month payment if it went into repayment. I explained to him that I was told by XXXX that the accounts had been removed from the account. He said when I got a letter saying they were dismissed to come back and he might be able to do something. On XX/XX/2020 my wife emailed the letter laying out what XXXX was doing. I am attaching that letter to the com [ plaint it is dated XX/XX/2020. Today, XX/XX/2020, I called Trans Union, as I had determined they were the only reporting agency that still had them on my report. I was told the item was not on my report. I told the customer service person, that I had been turned down by several finance businesses and asked if Trans Union could send a letter telling them that it was an error. I was told they don't do that. 

This afternoon, because I have not heard anything from XXXX XXXX XXXX I call XXXX XXXX XXXX, XXXX, XXXX and explained what had happened at the XXXX dealer and asked if they could take a look at financing me. His name was XXXX, and he asked his finance person if there was any way they could get me a truck. He called me back and told me that if I had a co-signer he might be able to, but he had looked at what at what at his sister company and he really couldn't do it. 

Trans Union bears the responsibility for this mess and they need to do something proactive to fix it. They had almost 2 months to do what XXXX told them to do, and even though the other two got it done, Trans Union sat on it till yesterday. As a result I am unable to go anywhere and get a truck.
Consumer complaint received 2022-11-19
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} XXXX US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2022-09-03
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)

I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-28
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. (HI)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-11
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-14
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. (TX)

A fraudulent late pay was just reported to my Transunion credit report by " XXXX XXXX ''. This is a fraud account and does not belong to me. Please delete immediately.

Also two unauthorized inquiries were reported to my file XXXX. ) XXXX XXXX XXXX XXXX XX/XX/2022. XXXX. ) XXXX Bank on XX/XX/2022. Please remove/delete the aforementioned inquiries from my Transunion XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (VA)

XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-06-30
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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-25
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. (CA)

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. 

These were the following items : Hard Inquiry : XXXX  Credit Card Reason : This account is not related to any transaction made by the consumer and needs to be deleted. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is discharged through a XXXX XXXX  bankruptcy. This item is inaccurate because it shows different dates opened, reporting as XX/XX/2021 on Transunion and XX/XX/2021 on both XXXX and XXXX. 

Public Record : XXXX XXXX XXXX CA XXXX Record type : Bankruptcy XXXX XXXX discharged Reference Number : XXXX Reason : The bankruptcy court stated they do not give bankruptcy information to consumer reporting agencies so this needs to be deleted. This account was reported without my written consent and therefore is a result of identity theft and should be deleted.