davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

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 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fidelity National Financial, Inc (OR)

I was scheduled to close on my mortgage refinance on XX/XX/XXXX. I was informed via phone call and email from Fidelity National Title Company of Oregon that my transaction had closed and was recorded in the early afternoon of XXXX. 

However, I received a subsequent call and email in an attempt to reach me in the late afternoon. When I finally was able to return the call from the title company, I was told that they had made an error in the calculations of the settlement statement and that there was a shortage of funds that would need to be covered by me. When I attempted to resolve the issue with the title company, they refused to take any financial responsibility for their error. Their refusal to accept responsibility also included any additional interest that would accrue until a wire could be sent the upcoming week as it was late Friday afternoon and past outgoing wire cutoff times. They offered to hold back my funds from my property tax escrow to cover the difference, which I declined verbally ( and again later that day via email ). At this impasse I was told by the title company that I would have to contact the lender, XXXXXXXX XXXX, to discuss further. 

When I reached out to the lender that same late afternoon on XXXX, they assured me that the refinance was closed, and that my obligations on the prior loan were fulfilled, and that I could ignore any further requests from the title company for the shortage. 

Representatives from Fidelity National Title Company of Oregon continued to contact me over the next two weeks in an attempt to recover funds from the earlier shortage. I informed them that XXXX had released me of any additional obligations with regard to the shortage. It was at that time that XXXX informed me that they had already paid the shortage to XXXX XXXX and that I was now required to reimburse them. I neither authorized XXXX to do so, nor was I informed when this was done at the time. I let them know that I had been released of any remaining obligation to the lender and that I would not reimburse their funds. 

In a letter dated XX/XX/XXXX, Fidelity National Title Company of Oregon threatened legal action if I did not reimburse what they paid for the shortage of {$2100.00}. I also discovered that they were still holding my property tax holdback of {$10000.00} from my mortgage servicer as leverage in an attempt to force my compliance with their request. I responded to the letter via email on XX/XX/XXXX in which I declined to reimburse their payment and demanded immediate release of my escrow funds.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Fay Servicing, LLC (OH)

Date : XXXX  Borrower ( s ) : Loan Number : # XXXX Property Address : XXXX XXXX XXXX Lender : Fay Servicing , LLC or XXXXXXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX my credit was checked from XXXX XXXX XXXX ba of : FAY SERVICING LLC Without authorization without me signing the credit authorization, after I called the Informative research which was the company that checked my credit they provided me a credit authorization form that was not docusigned by me but from one of the companies employee. I have screenshots of 4 different companies that Ive signed paperwork through XXXX and underneath my name its the same tracking number that identifies my email but on this credit authorization its a different number which proves very easy that was not signed by me. They committed fraudulent activity, been trying to get ahold of them but cant find someone to answer my questions, the reason why they XXXX  this paperwork under my name is because rechecking my credit would have been a dealbreaker and my loan officer knew that pretty well thats why they never asked me to re run the credit but they signed it by themselves. I got all the screenshots for the conversation with the loan officer that she agreed that this credit authorization was not signed by me because she was the one that collected all the documents for the cash out refinance loan.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

On XX/XX/2023 I was checking my account online, and noticed a withdraw from my checking account, in the amount of {$5500.00}, also a withdraw from my savings account in the amount of {$2800.00} I instantly went to my bank, and let them know this was not me who did this, they froze the account, I then went to the police department and filed a report, went back to the bank the same day, and gave them the police report #. At that time they said I should receive my money within the next three days, when that did not happen I went back to the bank and now they said they would issue a provisional credit within 10 days. In the mean time, I froze my credit at all 3 bureaus, as well as went to DMV, and changed my drivers license, and the social security department. Calling the bank each day to check on the status of my stolen money, each day they had nothing to say, except we had to wait, and gave us a U.S. Bank fraud number to call, which I did at least 5 times, and no-one was able to give me any information, or policies, or procedure 's, or how long it would take for me to receive my money back. Today is XX/XX/2023 and I am overwhelmed and frustrated can you please help me. That is all the money in the world to me and the bank doesn't seem to care, and is still unable to tell me when I will receive my money. Thanks in advance for your help in this very important and urgent matter.
Consumer complaint received 2023-09-29
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. (TX)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be deleted from my file right away OFFICE OF THE ATTY GEN XXXX Balance : {$4000.00}.
Consumer complaint received 2023-09-28
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. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NV)

I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. Ally Financial has given me 3 separate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (TN)

Attention : Honorable XXXX XXXX From : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Your office know me personally and Ive fought to bring attention to how your personnel have refused to do due diligence with XXXX Consumers, but this round I will work with my US Senator & US Congressman to assure your personnel are doing their job as a Federal Agency. 
Factual Data denied the Release of my Soft Pull Tri-merge Credit Report, I faxed a Request for the Release of my Tri-merge Credit Report with all, all 3 Credit Scores from each Repositories that supposedly was submitted to XXXX XXXX  on XX/XX/2024, I spoke with a XXXX XXXX, mgr with XXXX XXXX  about this Discriminatory Threat by Factual Data by only submitting to XXXX XXXX only 2 of 3 of my 3 Credit Reports for which a Criminal Supremacy act. My XXXX Report XXXX, my XXXX XXXX and my XXXX Report was XXXX, the reason these Criminals at Factual Data submitted such criminal acts were to have me paying a higher interest rate and a higher Discount Points, pretty XXXX  XXXX criminal acts and intentions, but I Fight Back against XXXX Consumer Criminal injustices and threats to the XXXX Consumer like myself as well and a XXXX Veteran! Factual Data and its employees are very familiar with me personally and very knowledgeable of my XXXX XXXX as a XXXX Consumer and Factual Data is attempting to suppress my Credit Report, but Im well aware of my Rights under USC 15, and Im looking for a Consumer Protection attorney to go after these tugs these White collar criminals. See attachment of my Factual Data Report Request form that I faxed to these blatant Criminals!
Consumer complaint received 2023-09-29
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. (NM)

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.

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 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (TX)

I have had a number of issues with my US Bank XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX, XXXX XXXX ), namely the difficulty of setup of online profile, difficulty of AutoPay setup ( I had to fax in AutoPay form ), and now an exorbitant increase in interest rate charge. This is unacceptable for business banking. I was never called by US Bank nor notified of this increase in interest rate. I feel I have been purposely misled by false advertising of this credit card. 

Per most recent bank statement, there is a balance of {$11000.00} subject to an APR of 19.24 % when it was previously 0 % for 15 months. I was not properly notified of this increase. I do not know what caused this increase.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Incorrect
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (TX)

I am requesting that the following account be removed from my credit report due to FCRA violations. XXXX XXXX XXXX XXXX XXXXXXXX The creditor could not verify this account, and Experian failed to provide validation of the account. I also submitted my FTC report and my XXXX data breach claim number, and this account was still not removed. XXXX and XXXX have since removed this account. Please see the attached credit report and data breach claim id and remove this account from my credit report.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IL)

I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$10000.00}, XXXX ; Discover Bank for {$12000.00}, and XX/XX/XXXX XXXX XXXX XXXX for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX - Incorrect
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Iam a victim of identity theft. Only on my Experian credit file. I reported as soon as I was contacted from my XXXX XXXX credit watch service. I have never done had this happen before. I told Experian the account was not mine, so they filed a dispute instead of removing the fraud. So after that they let this same company XXXX charge my credit file three more times. I was shocked. I filed four police reports you have to file one for each incident, I sent everything to Experian they just kept telling me the company said its mine, and I needed to contact the company. I contacted the company after the first incident, the two people I spoke with assured me the account would be removed, none of my information matched what they had on file, I even wrote a email Thanking them for being so kind and assuring me the account would be deleted. I have been working so hard on my credit so I can buy a home, now its ruined XXXX points down. I dont really know what else to do, but fill the information out here, as well as with the Federal Trade Commission , and obtain legal counsel. This is my life. This was not me, I pay my bills on time every month for years. Please Help Me. Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

Supposed " debt '' is with XXXX XXXX XXXX, and they have been made aware on multiple occasions that their bill is under dispute. I was forced into a dangerous procedure that I did not need after 12 hours of pressure from multiple doctors, proven by the fact that the results of the procedure came back negative. They would not let me leave my hospital bed until I agreed to the procedure. Despite disputing this one particular bill for {$290.00} for this procedure, I have paid other bills that I received for the proper treatment I did need ( iv fluids etc. ) that day on XX/XX/22. Also note that the XXXX XXXX assessment of being out of network is incorrect, since the facility itself and other doctors at the facility were not out of network.