davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court Reference : # XXXX
Consumer complaint received 2022-09-11
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. (IL)

A while back I tried to put a XXXX utility bill in my name and I was told I couldn't open a account because I had a old balance from a home I never lived in my life. So recently I was interested in obtaining some credit for a business im starting so I pulled my credit report for the first time and the first thing I noticed was a couple of addresses that I never lived at before in my life also It was a job listed I never worked, then I noticed I had a couple of accounts that I didn't open also I had a lot of Inquiries. These things have really affected my credit
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Back on XX/XX/2020 I purchase a DNA Health kit from XXXX on my Capital One Credit card. XXXX had issues in the system and the system double charged me. After long issues and waiting they got me my refund for the extra charge. I then waited almost another month before remembering I didn't get my DNA kit because XXXX attempted to charge my credit card yet again for a membership to go with the kit and the results. Well, I hadn't gotten the kit yet. I then reach out to XXXX about the issues and tell them to stop charging my card and get me a refund. After a long period of time they do. ( XX/XX/2020 XXXX - XXXX {$110.00} Provided by XXXX ) I don't pay attention to it until today XX/XX/2020 when I notice I still haven't gotten it. I call XXXX who gives me the XXXX and attempts to wash their hands of it saying my bank has it on hold. Capital One refused a Supervisor and has charged me interest on this missing money. They refuse to do anything other than saying " Call back again tomorrow and maybe you will catch someone who can see that. '' When did processing transactions become the consumer 's problem?
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (TX)

Equifax is reporting that I was late on an account that I have with XXXX XXXX XXXX, but I was never late on this account. I sent a letter last month and they have failed to acknowledge my letter and provide their method of validation. It is unlawful to report inaccurate information to a consumer 's report. I contacted the company and they stated that no one from Equifax has reached out to do an investigation. I know that this is true because there is no statement on my credit report acknowledging that I disputed this account. I am demanding that the late payment that you are reporting for XX/XX/, be removed and the account updated to paid as agreed never late.
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

On XX/XX/2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XX/XX/2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XX/XX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted. 
-Investigation request letter with 2 forms of ID.

-Certified mail stubs, front and back. 
-Request letter to update personal information, also sent with 2 forms of ID.
Consumer complaint received 2022-04-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Priority Financial Network (CA)

My file was submitted to this lender over 40 days ago. The co. decided as were were trying to get the loan docs and close by XX/XX/12 that they felt the property was too rural. Its about 15 minutes from XXXX XXXX. I am in a XXXX exchange and now the whole deal is blowing up. They knew from day one the property address and should of stopped the loan in the beginning. I had to pay XXXX for an appraisal and was told it would only be XXXX. Then they did an appraisal review which is attached and that verified property value. They refused to talk with myself or my loan officer. My interest rate was locked and I think they just do not want to honor the rate and canceled, This leaves me in a huge quandry with almost XXXX jepordized because of the XXXX exchange. I am also past my 45 days to identify so even more issues. Please help.
Consumer complaint received 2022-07-30
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX  : XXXX 15 USC 1681E ( B ) XXXX  : XXXX 15 USC 1681i ( 5 ) XXXX  : XXXX 15 USC 1681b XXXX : XXXX I have also enclosed a letter going stating the correct information.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

on XXXX, i sent all XXXX CRA 's ( transunion, XXXX, and experian ) a dispute letter concerning the reporting of inaccurate reporting on my credit report that never gotten deleted, as well as inaccurate personal information, and unverified inquires that are in violation of 15 usc 1681b. this is causing me harm and denials from buying a home with my credit and missing time from work from stressing.i request that the inaccurate information be deleted from my credit report
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I am making this complaint about what I believe to be unfair banking practices that is causing my account to be over drafted so that they can charge ridiculous fees. I have reached out to Simmons Bank on several occasions regarding this and they are very nonchalant and unwilling to help. I have been banking with them since XXXX and since then I have noticed a significant change in how they process debit transactions. They used to come out of the account immediately or at least one business day later. Now, they hold transactions for 7 or more days in order to make accounts go in the negative so they can charge fees. This unfair and illegal practice became very prominent in XXXX when the pandemic started. 

Just recently, I made an XXXX purchase on XX/XX/XXXX. They did not settle or debit the money until XX/XX/XXXX, but it showed pending until XX/XX/XXXX. This happens often where they change the dates to show it settled but it wasn't posted like that. 

Since they held that transaction and waited to post it when they knew it would cause an over drafted, my account when into the negative and they charged {$36.00} fees on transactions. Two of those fees were assessed to a {$0.00} transaction and a {$1.00} transaction. This is one example of the same exact situation that has happened over several months. 

As stated, I have tried before to get them to resolve this issue but to no avail. I know they changed their posting practices, but as a customer, I am at a loss as to how I recoup the money I feel they have stolen from me with these fees and unfair practices.
Consumer complaint received 2022-07-28
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. (MN)

In accordance with theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX  Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/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.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Negative items on my credit report doesn't belong to me.. someone stole my identity in the XXXX  XXXX breach therefore these accounts were open without me knowing these are not mine.
Consumer complaint received 2022-07-28
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: HOME BANCSHARES, INC. (FL)

There is an ongoing problem with both my identity and finances.This third party has been interfering with my financial business and causing me financial losses : This point is echoed via a transaction for {$99.00} on XX/XX/22. On the exact same day, I specifically and explicitly spoke with a woman by the name of XXXX XXXX in the XXXX, FL branch who told me the charge was investigated by a third party. As it turns out XXXX statement was a lie, no investigation was performed. I spoke with XXXX again about the charge on XX/XX/22 and she submitted some form on that day but then goes on to say that investigations do not work that way. THERE APPEARS TO BE A SERIOUS PROBLEM WITH FRAUD ORIGINATING OUT OF THIS BRANCH. THERE IS A SERIOUS PROBLEM WITH ANYONE THERE WHO CAN SPEAK PROFICIENT ENGLISH WHICH THEY USE AS AN EXCUSE TO IMPROPERLY HANDLE ISSUES OR NOT HANDLE THEM AT ALL. THEY DO NOT COMPLY WITH FEDERAL LAW WITH RESPECT TO HANDLING DISPUTES AND PROVISIONAL CREDITS, THERE APPEARS TO BE A VERY SEEDY CRIMINAL ELEMENT INVOLVED WITH BANK AND THE HANDLING OF TRANSACTIONS. THIS ISSUE WARRANTS A CIVIL AND LIKELY A CRIMINAL PROBE. THERE IS A VERY SERIOUS PROBLEM WITH THE MANAGEMENT OF FDIC INSURED ACCOUNTS AT THIS BANK.
Consumer complaint received 2020-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX I filed complaint XXXX against Midwest Recovery Systems. I have also file a complaint against them with the AG of Texas and Missouri. In addition, I filed a complaint against XXXX XXXX with the CFPB and a complaint against XXXX XXXXXXXX XXXX XXXX with the XXXX  and AG of NY since those were the parties mentioned in the response to my complaint dated XX/XX/XXXX. 
Since my complaint with CFPB dated XX/XX/XXXX, I have received couple voicemails from MRS XXXX XXXX and XX/XX/XXXX regarding the alleged fraudulent debt, a clear violation of the FDCPA. While this account is in the validation phase, it is my understanding that all attempts to collect on this alleged debt via phone calls and contact from MRS would stop until they can provide me with a contractual agreement SIGNED by me on XX/XX/XXXX that binds me to the alleged debt. Apart from the phone, I have also received communication from an XXXX XXXX of MRS and an update of my XXXX   credit file on XX/XX/XXXX that caused my credit score to drop 66 point. 
It is my intend to also forward all of my correspondence regarding this matter to the FTC with the hope that MRS get sued for violation of federal Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent out a method of verification to Transunion in regard to a public record bankruptcy on my file. They said it was verified and listed the XXXX XXXX XXXX XXXX XXXX as verifying. I reached out to the Court and they provided documentation that they did not verify anything and I demand removal due to the fact they lied and violated my rights by providing false information therefore are in violation of the Fair Credit Reporting Act. I have everything in writing. On XX/XX/2021 I submitted those documents from the court plus my identifying information of myself to Transunion and they still did not remove. Transunion is in violation and should be penalized. Then they came back saying the court verified it when the court sent me a letter saying they did not. Transunion is committing fraud.
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE XXXX FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX AND XXXX.
Consumer complaint received 2022-07-29
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. (MD)

I'm pleased to see several improvements made to my report, including the deletion of some account I had previously disputed. However, I have still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
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. (PA)

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (MD)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021 ; XXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit reporting fact XXXX account XXXX has violated my rights. It also stated insection 604 a sections 2 Its also stated a consumer reporting agency can not furnish a account without my written instructions.and also in sections 602 states i have the right to privacy.all of this falls under 15 USC 1681 Sections 602 and 1681 section 604 A Section 2 and USC 1666B
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

On XX/XX/2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XX/XX/2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XX/XX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted. 
-Investigation request letter with 2 forms of ID.

-Certified mail stubs, front and back.

-Request letter to update personal information, also sent with 2 forms of ID.