davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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. (AR)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and 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 a 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 CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES 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 2020-11-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize ; then again on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay ; this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There also was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2019-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX I recieved an alert from my credit monitoring that a hard inquiry was put on my XXXX credit report. I did not at any time apply for credit with CAP1/XXXX XXXX  or otherwise authorize this. I called CAP1/XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with XXXX, the next day ( XXXX ) I received a response that the investigation was complete and it was verified as accurate. I called XXXX  on XXXX. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with CAP1/XXXX XXXX and how they confirmed that it was fraudulent and requested they call CAP1/XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called Capital One since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.
Consumer complaint received 2022-06-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: NAVY FEDERAL CREDIT UNION (NV)

XXXX I contacted Navy Federal Credit Union XXXX and requested that a CD be closed and the funds ( {$54000.00} ) be mailed to me as a cashier 's check. 
XXXX Having not yet received the check 3 weeks later, I called the XXXX XXXXXXXX XXXX speaking to XXXX XXXX who informed me that it can take up to 21 business days (! ) to generate the check, and that it should arrive by the end of the week. In case it did not arrive, he gave me Form 170A to fill out to have the check replaced. I submitted the form. 
XX/XX/22 The XXXX XXXX rejected my form -- they did not like my signature. They also provided the check number to include on the new form. No other issue was noted. I submitted a new form via messaging. 
XX/XX/22 The XXXX XXXX messaged me that I must wait 90 days for them to begin the process of reissuing the check! Meanwhile, I am losing $ XXXX in interest on the new CD I intended to open with these funds. 
XX/XX/22 I messaged the credit union that this was not acceptable, that they should stop payment on the cashier 's check, and that their retention of my money will cost me about {$450.00} by the time the 90 days is up before they will even start the " up to 21 business day '' time period to issue my replacement check.
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-20
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. (GA)

Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX balance letter to the Experian to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by Experian Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga
Consumer complaint received 2019-03-20
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. (TX)

I contacted Transunion by phone on XX/XX/XXXX and spoke to a representative in the USA call center to request several items be investigated under FCRA for possible inaccurate or fraudulent activity regarding several hard inquiries. I do not recognize two specific items : 1.  XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. I had also mentioned the XXXX XXXX inquiry should have been a soft inquiry for a credit line increase ( XX/XX/XXXX )
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

XX/XX/XXXX : I submitted for our PMI to be removed XX/XX/XXXX : Our house was appraised by the bank designated XXXX XX/XX/XXXX : Called Roundpoint and was informed our home had depreciated in value and was appraised at {$270000.00}. We bought the house XX/XX/XXXX for {$350000.00} in XXXX XXXX, CA. The market has only appreciated. First person I spoke to said I needed to appeal to the XXXX. Second person said I needed to submit supporting documentation and request Roundpoint to review. Nobody seems to know what's going on. 
XX/XX/XXXX : Submitted documentation to Roundpoint for review. 
XX/XX/XXXX : Called Roundpoint and was informed it was still under review XX/XX/XXXX : Received the appraisal in the mail. The appraisal associated with our account is for a property in XXXX, AZ ... not our address! 
XX/XX/XXXX : Called Roundpoint and was informed the current appraisal value was {$460000.00} as of XX/XX/XXXX. Was informed somehow the PMI request was closed and the representative would send it to his supervisor to reopen. Was informed someone would call me within XXXX hours. 
XX/XX/XXXX : Still haven't heard from anyone. Called Roundpoint.  Representative said the last appraisal they have on file is from our Escrow process for {$370000.00}. But the value is {$460000.00}? Doesn't seem to know what's going on. I ask to speak with supervisor. Supervisor apologizes and says he is emailing me along with their Mortgage Insurance department so that I have his direct contact info. Asks for several days so he can figure this out. I confirm I have his direct line and he confirms. 
XX/XX/XXXX. Email Super and ask for update. No response. 
XX/XX/XXXX. Still no response. Call the number he gave me and get the main line. Clearly not his direct line. Email supervisor asking for update, and inform him I will be filing a complaint. Get an automatic out of the office reply. 

Clearly this is really upsetting, that 1 ) nobody seems to know what is happening and I've had conflicting information throughout the process 2 ) They actually mixed up my appraisal with someone and there has been no other explanation, no initiating communication, 3 ) This has been going on for 7 weeks now and they can't seem to figure this out. 4 ) The Supervisor led me to believe this was his direct line and he has been completely absent other than our first conversation. Is this a scheme?
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I tried to open checking account online and wasnt able to do so so I called customer service and was transferred to fraud department. Representative said that determination had been made in 2010 that I was a security risk because I had transfers of XXXX. Asked if account was overdrawn or not in good standing when closed and said didnt show was overdrawn or not in good standing. I wasnt able to get more information or appeal. I havent had a bank account closed for overdraft or fraud and feel that a decision 10 years ago without a current review doesnt allow me to plead my case that I should be able to open the checking.
Consumer complaint received 2022-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Heartland Resolution Group, LLC (GA)

Heartland Resolution Group has caused me stress, abuse and injury. I do not know Heartland Resolution Group. Heartland Resolution Group has stolen my identity. I have not given Heartland Resolution Group any form of written instruction nor verbal instruction to accept, furnish or report any information on my behalf.
Consumer complaint received 2022-06-12
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 Account # 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
Consumer complaint received 2022-06-12
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. (NY)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received an email from someone named XXXX ( email XXXX : XXXX ) saying that I needed to upgrade my XXXX account to a business account if I needed to continue making a transaction. I received detailed instructions, telling me to transfer XXXX $ to them and I'll get a refund of XXXX $ to my account which they claimed to be updated.Having transferred that money, I found out from a friend that it is a common scam because I never received my XXXX $ back that I sent. I would kindly request the CFPB team to look into transaction because I've been told that this is the common scam. As an XXXX  to the country and as a XXXX, those XXXX $ hold a lot of value for me. I feel extremely disappointed and hurt that someone would do that. I appreciate any help that I could receive from your end. Please let me know if I need to provide to solve this issue and let 's make sure that we make enough awareness about it so that no other vulnerable person has to deal with you.
Consumer complaint received 2022-06-11
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. (MI)

Lenders by the name of XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights and caused much damage. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. These two companies did not receive written consent in order to place these accounts on my consumers report. This is in total violation of my rights. I have called and sent multiple letters concerning this matter. I need your assistance with these two accounts please.
Consumer complaint received 2022-06-12
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: CCS Financial Services, Inc. (AR)

I do not feel that XXXX has done a proper investigation into the inaccuracy on my credit report. I disputed the collection account reporting on my report for CREDIT COLLECTION SERV. XXXX updated the report with a statement that the account was disputed by the consumer, but I have yet to receive anything detailing how this account was verified. I do not recall owing this amount with the original creditor. Please validate as I believe you are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. Until this account is investigated and validated, please remove this immediately from my credit report.
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

On XX/XX/2023, I received a notification ( see attached ) from a creditor. I have a problem with this because I was NEVER notified of this debt prior to being forwarded to a creditor, and it is compliant with FAIR CREDIT REPORTING ACT and FAIR BILLING ACT to first inform the debtor of the debt. This creditor FAILED to do that. Instead, they automatically forwarded the debt to the collection agency without providing me the opportunity to satisfy the debt. Additionally, this creditor has not VERIFIED this debt, thus I do not know the debt or have knowledge of ever collecting the debt. The creditor has NOT notified me of the debt, or given me an opportunity to pay the debt and has not VERIFIED the debt. I do not know or have any knowledge of this debt and thus requesting that the creditor VERIFIES the debt to me, and do not report this debt to any credit reporting agencies or else this creditor will be in violation of the FAIR CREDIT REPORTING and FAIR BILLING ACT and if the creditor reports to the credit bureaus, I will sue this creditor.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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. (CA)

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

XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-11-27
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per Experian. 
On XXXX 2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XXXX XXXX, 2020, EXPERIAN XXXX XXXX add a hard inquiry on my credit report per Experian. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

XX/XX/2020 - {$500.00} {$500.00} XX/XX/2020 - {$250.00} {$490.00} I was contact through XXXX regarding a job opportunity to work from home for XXXX XXXX . I do not have the communication through XXXX  because the person blocked and deleted the messages. Also, blocked me from XXXX. They stated I would be doing XXXX XXXX for XXXX XXXX and they would send me funds to purchase the materials from Vendors they work with, along with a XXXX sign on bonus. 

A couple of days has passed once the funds was released they blocked me. I had know idea this was a scammed because I called the bank to verify funds and it was available. I tried to contact them but was unsuccessful. The bank was going to close the account but a representative from loss prevention called me on XX/XX/2020 at XXXX XXXX  ( CST ) I informed her what happened she stated she was not going to close the account due to a scam and my account should go back to positive. As of today, my account is still - {$1300.00}. My paycheck goes in this account and I had to stop it because I was going to be loosing money. I talked to the bank everyday and they will not help me. I did not receive the material to start work. 

Also, on XX/XX/XXXX I received an email from my bank stating my card was declined. They were trying to purchase an item from a company in CA. My card was turned off, even if it was it would not process.
Consumer complaint received 2022-07-12
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. (FL)

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

15 U.S.C 1681 Secrion 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX XXXX XXXX notified me about a credit card application to XXXX XXXX XXXX XXXX I did not apply for a XXXX XXXX XXXX XXXX. XXXX assisted me and we called the merchant. I reported identity theft and requested the application be cancelled and my credit inquiry be removed from my credit report. XXXX XXXX made me notify a credit provider ( I picked Trans Union ) and I filled out the 1 year fraud alert and now XXXX XXXX has sent me a letter stating I HAVE TO GET A COPY OF THE POLICE REPORT EVIDENCING THE CLAIM OR IDENTITY THEFT OR A PROPERLY COMPLETED COPY OF THE IDENTITY THEFT REPORT BY FTC AND A PAYSTUB OR W2 FORM, BIRTH CERTIFICATE OR DRIVERS LICENSE. 

I want this inquiry removed from my credit report! 
XXXX XXXXXXXX XXXX  is ridiculous and NO help! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX