davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A XXXX XXXX Account is on my Consumer Credit Report. 
This specific Account was OPened- XX/XX/year> This account was an authorized user account Credit limit {$2000.00} I am requesting this account to be removed from my Transunion Credit Report XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$58000.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX Balanced {$4000.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

XXXX XXXX  ( known as Elan Financial Services ) introduced XXXX feature more than 6 months ago. As a customer, I was aware of this and was keeping it in mind in case I needed it in the future. Elan Financial Services has been regularly sending emails emphasizing this new feature. Particularly, on XX/XX/XXXX and XX/XX/XXXX, they sent out such emails indicating, again, that XXXX was available for my account, with offers ending on XX/XX/year> and XX/XX/year>, respectively. For brevity, I'm not including emails from XXXX and XXXX XXXX  here. 

I made a transaction that was less than 20 % of my credit limit on XX/XX/year>. With this, I still had close to 80 % of my credit limit available. Based on the Elan Financial Services emails, this transaction was falling under the XXXX offer in terms of a ) when it was made, b ) what their promotional emails were claiming and c ) the " fine print ''. 

However, when I tried to enroll this charge to XXXX online, this was not possible because of " XXXX isn't available for this account right now. '' message. On the other hand, on the " Set Up ExtendPay '' website on my account, it was displayed - as it was supposed to be - " Available for XXXX : $ XXXX '' ( $ XXXX is the amount I wanted to enroll in ExtendPay ). Because I wasn't able to enroll the transaction in XXXX, Elan Financial Services has started to charge interest on that amount. 

That's misleading information that falls under the category of bait-and-switch. Upon trying to reach out to them, my emails went into the abyss - no response. Putting customers after the fact is disgraceful and illegal. It violates several other federal and state laws and regulations.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$3000.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

Every time I attempt to use my debt card at XXXX XXXX XXXX XXXX XXXX Wells Fargo decline my transaction due to insufficient funds. Although the email I get shows they are trying to get {$1.00} and there will be over {$150.00} in the account. I have called Wells Fargo numerous times, and they blame everyone and everything but themselves and I have no other problems with my other debt card at XXXX XXXX XXXX nor my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (AZ)

Applied for a credit card was declined. Never received any reason I was declined. Could be because I settled a lawsuit with them for their practices already once. I have excellent credit. I have moved and have a new address now and applied under the new address. It was done at Lowes and the bank issuing the card is Sychrony Bank.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-11-12
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: SYNCHRONY FINANCIAL (FL)

I noticed XXXX unauthorized inquires on my credit and I would like them removed as soon as possible. I have never tried to open a credit card account with neither of these companies. I will provide my ID in the documents to verify my name and birthday. Over all identification.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XXXX XXXX XXXX XXXXXXXX ) Customer Service XXXX Florida Mortgage Lender Servicer License XXXX I would like to file a complaint concerning Lakeview Mortgage serviced XXXX XXXX XXXX 's inability to follow the rules and regulations according to the state of Florida concerning tax exemption for 100 % disabled veterans I have repeatedly submitted my documentation. Ive also asked them to confirm they received the documentation which theyve done. Ive also asked him to confirm that its in the system and they have done however they continue to withdraw State taxes for my house in Florida after receiving the letter from the county tax assessor 's office stating I am 100 % disabled and no longer pay property tax in the state of Florida. They will not send a refund for the taxes that theyve taken out and they will not stop taking taxes, I believe this is a violation and I would like this to be looked into and then forced to follow the rules of the state. I feel they are discriminating against me as a disabled veteran and because of my staus are purposely avoiding following state and county rules.
Consumer complaint received 2024-10-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I made a deposit by check through mobile, it was XX/XX/XXXX and I know that it could be the scam so i waited to be settled in my account. After few days later the balance was not pending but become part of running balance. And I also tested by using it so make sure it is part of the funds. 
The check was part of my work payment, XXXX dollar was the part of my XXXX work contract. XXXX was for travel and XXXX work. 
On XX/XX/XXXX, this is the point I send XXXX  since I got paid. After I transferred the fund they immediately freeze my account, without any notification. I thought it was because of amount of I used for work. if they have inspected it was a scam i wouldn't transfer the amount. Also the agent told me there is no pending or negative balance on XX/XX/XXXX. But when I called the bank, they just told me there is just a simple problem on my account and told me no negative balance. So, the agent told me to wait for the review, and wait for 60days. But the only email I received was Action needed on XX/XX/XXXX for negative balance. 
Since I did not get any information from bank and they suspended my mobile banking account, I had no idea what is happening on my account. 
I still did not get any call from bank, only information I got here is the call that I made. 
I'm totally sure the fault of this happened is because of the bank. 
They did not ask about information about scammer, agent did not ask about the situation. And never got call back from bank about the inspection. They never told me it was because of scam just told me the account is under review. And never told me the check was bounced or rejected. No way to know what is happening because before the suspension of the account, the balance was running. 
And Today XX/XX/XXXX, I called back to bank they finally told me the check was the problem. I have no idea why should i be In Charge of this case, because they should've not allow the transaction if it was bounced and also they should've let me know the problem was because of fraud check. 

Bank name- Schwab bank Amount- XXXXUSD Date i deposited- XX/XX/XXXX Got notified XX/XX/XXXX, by the call i made Actually not notified.
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Today, XX/XX/year> I tried to cancel my XXXX XXXX credit card online and it would not let me. I called and after a long wait I got a person that doesn't speak English well and could not spell anything. She pretended to transfer me but she was always on the other line and I never heard a transfer sound. I requested a manager and she refused this at first. She then continued to pretend to transfer me for over 10 minutes. I told her that I have the right to cancel my card. I have a XXXX balance for years and I don't ever use this card.

Anyways, I hanged up unable to speak with a supervisor. I called back and I finally got a recording to enter my credit card number but then they gave me a 10 minute wait which was longer than that. There was not an option of a call back either. I am very frustrated that this company would play games and don't let me close my credit card.

Please help me close this credit card
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

RE : Cease and Desist Demand Regarding Account # XXXX Dear Sir/Madam, I am writing to formally request that you cease and desist all collection activities regarding the above-referenced account. As it shows a $ XXXX balance on my credit report and is negatively affecting my credit score as of XX/XX/year>. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all communication with me regarding this alleged debt. 

Please be advised that I dispute the validity of the debt you claim I owe. I am requesting no further contact, whether by telephone, mail, or any other form of communication, including calls to my place of employment, home, or to third parties. Any further contact from your agency may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states attorney generals office for violation of the FDCPA. 
Please take notice that I demand the following : 1. Immediate cessation of all communications regarding the collection of the alleged debt.

2. That you inform all third parties or affiliates working on this matter of my request for the cessation of all communications. 

This notice is effective upon your receipt of this letter. I request written confirmation that you have complied with my request within 30 days of the date of this letter. 

Failure to comply with this cease-and-desist request will leave me no choice but to pursue legal action to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XXXX XXXX XXXX XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXX XXXX On XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXX regret to inform you that these agency 's along with the XXXX major credit reporting agencys have improperly leveraged my credit report, and according to the fair credit reporting act, I noticed accounts, inquiries and private information on the report you are furnishing, I also noticed the inaccuracies and can't say they are accurate or legitimate I demand verification of the information on the report as true and correct the f.c.r.a 15 u.s.c-1681 ( e ) ( b ) states your responsibilities and the consumers right and the credit reporting reporting agency ( you ) have to report with maximum accuracy to credit reports also how is it that your reporting income into my report, the above citation in clear language under " exclusions '' says you can't lawfully omit these things.15 use 1681 ( a ) ( 2 ) ( 1 ) of the f.c.r.a says that " transactions '' and/or " experiences '' between the consumer and the person furnishing is not to be included in a consumer report so any transactions or experiences ( late payments ) are not to be parked on my report if you are prohibited from including transactions and/or experiences which in clear clauses ; its illegal therefore i demand you delete all inaccurate and unauthorized items inaccurately parked on my credit, in federal statues 15 usc1666 ( b ) there are procedures that require notices be sent 21 days or less before the due dates, before!! You can validate the debt an lawfully proceed, with proof that you've done diligence like time stamped copies that is a formal cease and desist demanding you stop and reverse the unlawfully ramification bestowed upon me by your actions, and delete these transactions and experiences ( late payments, lines of credit, utilizations an inquiries )
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-25
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. (GA)

Re : Dispute of Account Verification - Request for Method of Verification Account : XXXX XXXX XXXX # XXXX I have attached your dispute results from the prcious dispute that does not include the Method of verification. This is unacceptable and a clear violation I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. I initially filed a dispute regarding this account, and according to the investigation results, the item was verified as belonging to me, with certain information updated. 

However, I have not received the " method of verification '' that I explicitly requested when launching my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted in connection with the investigation. 

As per your records, this account was updated on XX/XX/2024 with a balance of {$22000.00} and a pay status of " XXXX XXXX. '' While I dispute the accuracy of this account, I am particularly concerned about the lack of transparency regarding the verification process. 

Please provide me with the following information : A detailed description of the method used to verify the accuracy of this account. 
The name, address, and contact information of the entity that provided the verified information. 
Any documentation that was used to substantiate the verification. 
Given the significance of this matter, I request that this information be provided to me within XXXX days, as stipulated by the FCRA. If you can not provide this information, I respectfully request that the disputed account be deleted from my credit report immediately.