davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXXXXXX XXXX # XXXX have 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 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reach out to XXXX XXXX  directly in regards to my account showing that I still had a balance with them on my credit report. They sent me over a letter stating that I no longer had a balance with them because the account was paid in full. 


I also sent over a copy of the same letter over to everyone all the credit beaus and creditors asking to have the item removed from credit report. And it has not been removed from my credit report.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an bankruptcy under my public record that was not verified and not provided by the XXXX bankruptcy court directly. I reached out to the XXXX Bankruptcy Court Middle District of XXXX XXXX and confirmed verbally that to don't provide info to XXXX parties that are not included in the initial case. ( XXXX XXXX, Experian, XXXX XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the Bankruptcy from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Identification Number : XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the XXXX  day. When I didn't hear anything back, I sent XXXX Bankruptcy Court Middle District of XXXX XXXX a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from Experian ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

this XXXX  XXXX account suposedly created on XX/XX/2021 i the result of unauthorized use of my personal info. i have not authorized a XXXX  XXXX account XXXX to be created or furnished i need this to be disputed as fraud and needs to be removed from my credit file immedielty! 



Notices of Disputes from a Consumer Reporting Agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) Direct Disputes from Consumers Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 If procedural weaknesses are noted or other risks requiring further investigation are noted, such as a high number of consumer complaints regarding the accuracy of their consumer report information from the entity, select a sample of reported items and the corresponding loan or collection file to determine that the entity : d. furnished a notice to a consumer reporting agency of a dispute in situations where a consumer disputed the completeness or accuracy of any information the entity furnished, and the entity continued furnishing the information to a consumer reporting agency. Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] ; If weakness within the entitys procedures for investigating errors are revealed, review a sample of notices of discputes received from a consumer reporting agency and determine whether the entity did the following : d. reported the results of the investigation to all other nationwide consumer reporting agencies to which the information was furnished if the investigation found that the reported information was inaccurate or incomplete ( Section 623 ( b ) ( 1 ) ( D ) ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ] ; and e. modified, deleted, or blocked the reporting of information that could not be verified.
Consumer complaint received 2023-01-12
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. (WA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX FIN Account Number : XXXX ; XXXX Account Number : XXXX.
Consumer complaint received 2022-04-04
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 following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 604 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.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX Consumer Department. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXXXXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand.

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXXXXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. 
All XXXX XXXXXXXX accounts are to be removed from my credit report Per 15 USC 6802.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have been a Capital One credit card customer for 31 years. My account has always been in good standing. In XX/XX/2022, I noticed fraudulent activity and immediately called Capital One. The customer service representative was great, went over charges, and sent me another card. On XX/XX/XXXX, I was booking a surprise trip for my family as a XXXX gift and my card was blocked. I called fraud protection and they lifted it. Then, on XX/XX/XXXX, I was doing online shopping for XXXX with the virtual card # ( to protect myself and my card ) and was shut down again. I called fraud protection, they had me send a copy of my license to them and said they released my card. The woman at fraud protection stayed on the line to make sure my charge went through. It didnt. She then told me, my card had been restricted and I had to send in several documents to prove I am me, one of which they wanted was a COPY OF MY SOCIAL SECURITY CARD. I told the woman I was not sending that in. I have spoken to several in the fraud dept ( one which was a supervisor ) and was told unless I send a copy of my social security card, they would not release the restriction. I have told everyone I have spoken to that I would send them any information they need, but with fraud these days, I would not send my social security card. So, I told them I would pay them off and we would end this 31 year relationship. Well, I had {$730.00} of points on my account that I was going to use towards my trip. They will NOT allow me to use the points bc my account is not in good standing. I advised the supervisor that I have done nothing to put my account in bad standing, this has been their doing. I paid my card off except for the {$730.00}.

I feel like the criminal here and I have done nothing wrong. Capital One does not want to work with me unless I give them a copy of my social security card. That isnt happening. I feel they should honor the points that I rightfully earned. Again, they chose to restrict my account and I am the one who made the charges I have been a loyal customer of Capital One. It is the ONLY credit card I had. And I used it for most of my purchases. So, I went through XXXX season without a credit card and again, I did nothing wrong.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We were building a new house in XXXX XXXX XXXX XXXX, the builder said they would include the cost of the XXXX if we used their Wells Fargo lender. In talking with the Wells Fargo XXXX XXXX he said we could sign up for a rate lock guarantee where we pay to have a current mortgage rate locked in at the time of closing, if rates go down then the payment just goes toward the closing costs. We paid {$2200.00} for a rate lock on XX/XX/. When we closed on the house in XXXX of XXXX  rates had gone down so they said that {$2200.00} would go towards the closing costs. At our closing, it showed our payment of {$2200.00} but it was never deducted from the closing costs, and we ended up paying the full closing costs plus the {$2200.00} that we paid for the rate lock. I fought this as the closing and after I contacted the lender XXXX and the company Wells Fargo XXXX XXXX about why the {$2200.00} wasn't deducted from the closing costs but seemingly added to the closing costs. They just strong-armed me and tried to make me feel inferior and that I didn't know what I was talking about and nothing was ever done. Shortly after this, I learned how Wells Fargo had scammed thousands of people out of their money, and eventually found guilty and ordered to repay the people they had taken advantage of.
Consumer complaint received 2023-01-30
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. (VA)

Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Consumer complaint received 2020-05-20
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}
Consumer complaint received 2020-05-20
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

On XXXX XXXX, I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX purchase a microwave. I was talked into purchasing the product with their credit card which was issued same day for that purpose. The bill later came and I paid the whole money off immediately which was {$75.00}. I did not remember using the card because there was no need for it. Sometimes in XXXX got a bill of {$3000.00}. I immediately called them to contest the bill because I had not used the card after the first purchase and I explained that I'm not a XXXX and I don't even own a house moreover I live alone so there is no need for me to purchase anything worth that amount in a single transaction. 
They apologized and I told them to close the account and that I will destroy the card immediately. They offered to send me another card which I declined. 
I started getting calls from citi Bank on the need for me to pay this money and explained what transpired between me and XXXX XXXX. The calls stopped but the bill was still coming. I called their credit department and I was made to understand that I needed to send the copy of my driver 's license which I did almost immediately. 
Up till now I've not heard anything from them but the bill is still coming and this is affecting my XXXX XXXX.
Consumer complaint received 2023-01-30
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. (VA)

Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

A wire was sent to PHH Mortgage to pay off my on XX/XX/20. It did not show up right away so I called PHH Mortgage and was told to wait. The only thing they offered to do was to send an email to their cashering department because they were not allowed to call them directly. I was told it would day up to 48 hrs for a response. I called back almost everyday for the next week and a half and was just told to keep waiting. It was not until XX/XX/20 that I was told the wire had insufficient information and was sent back. I feel this is a deceptive practice to stall the response time of a department so that they could collect more daily interest. I was told the wire would be dated to the date it was sent on XX/XX/20 but it was posted on XX/XX/20 causing me to owe over {$500.00} in interest that should not have been charged. 

I again spoke with several PHH Mortgage agents and the only thing they said they could do would be to contact their " cashiering department. '' I was again told up to 48 hrs for a response but it took a week and a half. Contacting departments should not take that long, especially when wires are involved.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX XXXX and {$72.00} in fees i made a phone call on XX/XX/2020 XXXX eastern on XX/XX/2020 those charges come out of my account. 
at the time of purchase, I had funds available to cover my purchases the bank showed me in my app that I made a purchase and that I had XXXX amount available to spend after purchase. so in my eyes, the bank is holding the money somewhere that I cant see for the merchandiser or vendor to get money, but I don't have to worry about it because the money is gone out my account I don't have to worry about it anymore. not 2 weeks later all purchases showed as pending .. the money was still taking out of my account so that I know what is available. and I had to call before about them freezing my account for me making purchases online .. they would block my card. but the only one I have to worry about fraud is them.. taking my money out of my account twice but on XX/XX/2020 the bank charged my account again with those charges and don't want to give my money back ... .. 

i sent some files of when they tried to recently take money out and when they already did at the time of purchase the only thing i cant prove but which i could've is the balance of my account at the time of purchase .. which will show that they are trying to steal my money
Consumer complaint received 2023-01-30
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. (IL)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$880.00}
Consumer complaint received 2023-01-27
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. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4900.00} XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the provisions of the Fair Credit Reporting Act section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.