davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (LA)

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.

Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX  XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX # XXXX Acct name : 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. 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 In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Consumer complaint received 2023-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

I paid the debt with the original debtor years ago. I have disputed the the debt repeatedly and they keep removing them putting back on my credit report. The company is FIRST FED CREDIT CONTROL. XXXX and XXXX keeps allowing them to add it back. So far XXXX has kept to off. I dont believe I should have to keep disputing this.
Consumer complaint received 2023-01-29
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. (FL)

This is a follow up to my previous complaint XXXX. 

XXXX. The XXXX credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX XXXX error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to XXXX XXXX
Consumer complaint received 2021-10-06
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. (NY)

I have a bankruptcy on my credit report that does not belong to me. I have spoke to TransUnion numerous times over the last 2 years. I have sent certified letters that they claim to never receive. I have disputed this item numerous times over the last 2 years and it keeps coming back as verified as accurate. I keep asking how it was verified and they say with the court. I spoke to the courthouse and they mailed me a letter on their letterhead explaining that I do not have an account and it doesnt belong to me. I have mailed this letter to TransUnion and finally was able to verify that they received it. They still refuse to remove this public record bankruptcy from my report. All TransUnion is doing is filing a dispute but then it comes back as verified. I asked how its verified and they said through the court but I know that isnt true. They have my letter from the courthouse and a letter from XXXX that they have erased this information from my file but still they refused to remove it. TransUnion told me to wait 7 years to have it removed but why if it isnt my information.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XX/XX/XXXX I opened a checking account with the Bonus 400 promotion through capital one. 

The requirements were to " Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' two deposits went into my account XX/XX/XXXX, by ACH from an outside banking institution ( XXXXXXXX XXXX ), in the sums of {$400.00} and {$600.00}. 

Per their promotional offers, the bonus should have been deposited in a sum of {$400.00} to my account by XX/XX/XXXX. 

on XX/XX/XXXX I called and first was told that my bonus deposit was ineligible because of a mobile banking transaction, then when speaking with a supervisor I was told it was ineligible because it was initiated online. 

Neither stipulations were spelled out or excluded on the bonus page rules, and I followed all requirements to qualify for the bonus yet they still refuse to pay it. 

spoke with employee " XXXX '' on # XXXX who refused to honor the deposit bonus and closed the account.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

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

XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
Dept of Ed XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
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 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 2021-04-02
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. (GA)

I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX XXXX & Transunion and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7XXXX XXXX {$1000.00}
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-10
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. (NY)

ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
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. (MI)

After a nearly 10 months of fighting the credit reporting agency Experia they have finally removed an erroneous collection on my credit report that lowered my score to the point I was not able to get a refinance market at a reasonable rate. 
They removed the error on XX/XX/XXXX. On the XX/XX/XXXX was their adjustment or my credit score and when contacting them they say they could not do this correction at once but I would have to wait to XX/XX/XXXX. 
My home is now going into foreclosure because I was not able to refinance a line of credit with my bank.. I need this suggestion to my score immediately before I sue them for the cost differential for my new mortgage.
Consumer complaint received 2023-05-21
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. (FL)

On XX/XX/XXXX Transunion sent 3 copies of my credit report. Each report shows something totally different on the adverse accounts section. I have attached photographed copies of the discrepancies for review. 

I recently submitted a complaint in reference to the incorrect reporting of account XXXX XXXX # XXXX. My question is now after your reinvestigation, why is the payment history showing an X which is unknown status for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on one report and the other set of reports, the payment history shows an X for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

This is considered FALSE reporting and Im asking for the immediate deletion of this unverified account. You obviously have no proof of the payment history ; therefore, you are putting any status on the account to make it valid. Well, this is wrong and considered false reporting which is a violation of my rights under the FCRA. I demand {$1000.00} fine or we will be forced to take this matter to Federal court and let a judge and jury decide whos correct. 

IF YOU CANT PROVE IT, YOU MUST REMOVE IT!
Consumer complaint received 2023-08-08
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: HYUNDAI CAPITAL AMERICA (SC)

XXXX XXXX Sir or XXXX. I went into a local dealership in my area to purchase a new car on XX/XX/2023. I was told by the finance manager that I had been late sixteen times. I had just recently bought a car for my daughter with this same lender and had not been made aware of any of these findings. I immediately came home and called the lender .They informed me after speaking with several ( 10 ) of their associates that indeed the info of late payments were correct. I then proceeded to go to my account on line and printed out my payment history that validated everything that I was saying to be true. I called the lender back and proceeded to explain for the eleventh time that I had not been late. The lender refused to amend my credit report. I then called XXXX the same day and filed a complaint it was then investigated and XXXX 's response was that the creditor did not respond and there were several things I needed to do:1 ) Include a 100 word statement to be attached to report. 2 ) Contact the creditor 3 ) Provide additional supporting documentation ( already have ) and last but not least contact The Consumer Protection Bureau and The State Attorney General 's Office in my local state. In closing I reached back out to lender today XX/XX/2023 and was told once again to send another letter when they did not respond to the first letter. XXXX was slack in their efforts to rectify this situation by telling me on today XX/XX/XXXX XXXX that they would redispute the complaint once more and I asked the question why? I informed the rep that if they did not respond the first time the negative info should be removed.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint regarding XXXXXXXX XXXX ( Account Number : XXXX ) for inaccurately reporting late payments ( XXXX days late ) to all credit bureaus after my loan was transferred from XXXX, where I was in active forbearance due to hardship and hurricane impact. 

Under the Fair Credit Reporting Act ( FCRA ), accounts under a forbearance agreement should not be reported as late. Despite my compliance with the forbearance terms, XXXXXXXXXXXX XXXX XXXX reporting has significantly impacted my credit score.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I wrote my mortgage check to XXXX for {$4100.00} on XX/XX/2023 and mailed it on XX/XX/2023. I learned on around XX/XX/2023 by the USPS by mail in a form letter that envelopes had been stolen and mail was lost and there was an ongoing investigation. On XX/XX/2023 I received a letter from XXXX for a late payment. I then learned that the check had been cashed and eletronically deposited by a XXXX XXXX, not XXXX. I showed all this information to Citibank but they still have not reimbursed me for the stolen and cashed check by another person and not my mortgage company. I have had to pay this fee twice in the month of XXXX causing me much disruption.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
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. (IL)

Hello back in XXXX  I submitted identity theft report in XXXX, I had my identity and info compromised not once but twice but twice when the XXXX breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout XXXX, I am a XXXX XXXX XXXX XXXX XXXX I am XXXX of the backbones of this country fighting this war, and I have gotten no respect, from anyone, this has brought me to XXXX XXXX XXXX, I have documented proof of my depleting, XXXX XXXX filed XXXX police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

I have been trying to get Nationstar Mortgage to return insurance claim proceeds for 7 weeks, and they keep delaying and abusively putting me off. I have repeatedly called and requested a status, and am told it is in review and that they will get back to me in 5 business days. After getting this same answer several times I have requested to talk to a supervisor, and the customer service representative said they would have a supervisor call me back in 48 hours. I have not received any of those promised callbacks. 
The company is currently holding {$99000.00} of my funds that I received from XXXX XXXX XXXX as the result of a lawsuit settlement. They received these funds on XX/XX/XXXX. 
I had already passed my " final inspection '' by Nationstar Mortgage on XX/XX/XXXX that qualified me for release of all funds. There is no reason for them to be holding my funds but they refuse to release them. Twice they requested additional information : 1. On XX/XX/XXXX they requested an updated Adjuster 's Worksheet. I explained that they already had it, but to avoid any delay, I went ahead and resubmitted the document to them. They received the document on XX/XX/XXXX. 
2. After much back-and-forth, they then said I needed to submit a copy of the legal documents from the lawsuit. They had no reason to ask for these documents and had no right to them since I had already passed " final inspection '' but I sent the documents anyway. They received these documents on XX/XX/XXXX.