davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, 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: TD BANK US HOLDING COMPANY (GA)

In XX/XX/XXXX, I was pre-qualified for a home loan and when they pulled my credit, all 3 credit bureaus reported my scores. My main credit card is through TD Bank. Now that we are closing, XXXX is no longer reporting that I have any existing credit, and it is causing serious problems with my mortgage. 

On XX/XX/XXXX, XXXX said the problem was that my birth date was missing on their end. We verified it was fixed. On XX/XX/XXXX, they said it was because TD was not reporting to them. TD has confirmed on multiple occasions that they are reporting to all 3 credit bureaus including XXXX. On XX/XX/XXXX, this issue is still going on and holding up closing. Both TD Bank and XXXX maintain there is nothing they can do. TD Bank says they are reporting it ( which they have been since XXXX ), and XXXX is saying they can not see it and the bank must have removed them from reporting. 

I have spent hours on the phone with both companies, both of whom are denying responsibility. There other two credit bureaus are receiving the reporting from TD, and XXXX used to have this line on file.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (ND)

State Collection services spoofed their caller ID to appear as my girlfriends name. When I pressed them on this, they stated they had no idea what I was talking about, and claimed the number I was currently talking to them through was not one on their records. This is a bold face lie. Coincidently, my girlfriend works for the hospital that this debt is owed to. I believe they managed to use data without either my partners expressed consent to reach out to me illicitly.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- Transunion , and XXXX. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (TN)

I am writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.
Consumer complaint received 2023-06-21
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. (OH)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )
Consumer complaint received 2023-06-21
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: Marlette Funding, LLC (TX)

Name. XXXX XXXX Address. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Tx XXXX Email Address. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 

15 U.S.C 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (TX)

They have been calling me about 6 or more times a day sometimes its back to back calls with different numbers but same company, the reason I know is because sometimes I return the callback and they greet me with " SRS '' and their name. I have stated to them that I will call them about my debt. I am aware that I still owe Spire Recovery Solutions ( SRS ) money but at the moment I only have enough to make my ends meet. I have spoken to different agents letting them know and they have stated they WONT call again. But getting 6+ calls a day just by them is quite absurd at this point. I am getting harassed on a daily.
Consumer complaint received 2023-06-21
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: Frontline Asset Strategies, LLC (PA)

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 Account # FRONTLINE ASSET STRATEGY ) 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 account without my written permission XXXX and XXXX n has stated Frontline Asset was verified has failed to show proof of verification on more than XXXX disputes.
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a capital one account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and capital one card
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Multiple fraudulent transaction were attempted on my credit card on XX/XX/year>. Only one ended up going through from a merchant name XXXX XXXX XXXX from XXXX TX. I called on XX/XX/year> to dispute this fraudulent transaction from my account however bank of america refuses to remove the transaction from my credit card after multiple calls discussing the issue. I was told from representatives from the bank that the dispute was closed in the merchants favor and then they proceeded to close the credit card so that I could not appeal the decision. This transaction was not initiated by me and is a fraudulent transaction that should be refunded to me. After numerous calls to bank of america they finally said they would reopen the fraud claim however I still do not have a result after them giving me the run around for weeks of calling. Please help.
Consumer complaint received 2024-08-27
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. (WI)

Upon reviewing my consumers report I noticed that there were multiple inquires that were listed that didn't belong to me. I've never applied for anything with these companies, nor have I ever even heard of them. Here are the inquires 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 2023-06-21
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)

Hello my name is XXXX XXXX. A federally protected consumer. I am writing to request the immediate removal of a fraudulent account from my consumer report. The account in question is associated with XXXX XXXX XXXX, with the account number XXXX. 

The presence of this fraudulent account is hindering my ability to purchase a home for my family and is causing significant obstacles in my financial endeavors. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my consumer report and expect a timely investigation. 

I urge you to address this matter promptly, removing the fraudulent account from my consumer report within four business days. Kindly provide written confirmation of the resolution and the updated status of my consumer report once the correction has been made. 

Enclosed are copies of supporting documents for your reference. Please feel free to contact me should you require any further information or documentation. 

Thank you for your immediate attention to this urgent matter. I trust in your commitment to fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is my complaint to CAPITAL ONE for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

I responded to XXXX/ComenityBank/Bread Financials ' offer in XXXX to open a new XXXX XXXX XXXX XXXX and receive a statement credit of {$100.00} after spending {$1000.00} in 90 days. I fulfilled my obligation in XXXX and was told it would take 1 to 2 billing cycles to post. When I didn't receive the credit, I contacted the bank in XXXX wand was told it took 1 to 2 billing cycles after the 90 days was up, not 1 to 2 billing cycles after meeting the requirement but was assured the credit would be on XXXX statement. It wasn't. I spent over an hour on the phone with XXXX on XX/XX/XXXX and he assured me he was passing it up to the appropriate people and the credit would appear on my XXXX statement. It did not. I called again XXXX and after a great deal of time and several transfers, talked XXXX, SR acct specialist who assured me her manager would have it taken care of by XXXX and if there were any issues someone would call me before that. It was not taken care of & no one called so I wasted another hour today getting as far up the chain as XXXX a SR account Supervisor who spoke to her manager, supposedly the highest level they have, who said there was nothing they could do to issue the overdue credit, or reimburse for interest lost or time wasted. The only thing she was able to do was file a dispute which still did not absolve me from paying the {$100.00} balance I don't owe and may take NINETY days to resolve.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-21
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. (AL)

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.

The letters are stated with items and issues.

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 2023-06-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (OR)

I had a savings account with US Bank that for over three years was pulling {$25.00} a month out of the account because it the balance was lower than it was supposed to be for this type of account. 

I didn't check online with this account because i used it so rarely. However, i never received statements in the mail nor did anyone contact me. During XXXX the bank was closed most of the time or their hours were not in line with my work hours so i didn't get in as often as i did before. 

Once i did go back into the bank to do my transactions, no one spoke to me about this account even as i pulled money from it. 

I received a letter in XXXX saying my balance was approximately {$120.00} dollars and they were going to keep pulling {$25.00} dollars out unless i called. I went into the local branch the next day and the manager changed my account and added back {$150.00}. I estimate over {$1200.00} being deducted between XXXX and XXXX. The district manager was supposed to call me but i never heard from her. I waited five months to get assistance. It wasn't until i went back to the local branch in XXXX to speak to the manager and he told me there was nothing they could do. After over 40 years as a customer, i closed all my accounts but one small checking account.
Consumer complaint received 2023-06-21
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. (PA)

Transunion took XXXXXXXX XXXX for a fraud account that I had to dispute then another XXXX XXXX  for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-06-21
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 2023-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Midland Funding LLC on XX/XX/XXXX, showing a balance of {$1500.00}. Midland Funding LLC failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Midland Funding LLC.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

Good Afternoon, I sold my home on XXXX XXXX, 2016 and PHH Mortgage still had {$4700.00} in my escrow account. I checked my account online and it showed that all escrow funds were disbursed to borrower on XXXX XXXX. 3 weeks ago I called PHH to inform them that my disbursement check had not arrived yet. The representative stated that she would expedite mail me a new check. 2 days ago I called again to find out the status of my check and was told that they have not issued a new check yet and would expedite a new one. In the last 6 years living in Texas I have experienced only XXXX situations where mail got lost and in both cases it was mail from PHH with large value Escrow funds checks ( this occasion and when I sold another house about 3 years ago ). I find this to be an extremely implausible and unacceptable coincidence that should be compared with other consumer reports.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have credit monitoring services with several companies to be able to moniter my credit on a daily basis. I received an alert on last week regarding XXXX inquires that had been removed from my report by transunion. One week later Transunion reinserted those inquires and it caused my credit score to drop by XXXX points. I pride myself on maintaining good credit and having an XXXX credit score. I do n't know why Transunion is playing games with my credit report and score. They should not be able to remove and insert items at those items at their will. I would like for you to investigate and remove those items so that I can restore my credit score to what it was, which is XXXX before they played games with my credit report. Thank You.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (IN)

I do not recognize these inquiries on my report Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX