davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is the substance of my complaint against Capital One. They have employed one stalling tactic after another in processing my home equity loan application. I believe early on they realized the interest they were collecting on my Capital One credit card balance was about the same as they would be collecting on this much larger home equity loan, so they put my application on the back burner. Is this not illegal? They have cost me and my son ( to whom I am going to gift a part of the loan proceeds ) more than {$1000.00} in additional interest on our credit cards. If one instance of this behavior is not illegal, should they not be investigated to determine if a pattern of this consumer abuse exists? 

You are able to monitor the progress of your application on their XXXX. It offers no communication, secure or otherwise. For nearly two months there has been nothing for me to sign, nothing for me to provide, yet, over that time, it has consistently reported, " 9 complete, 2 [ documents ] in review. '' When his subordinates ceased communicating, I sent an email to XXXX XXXX, Manager ( the text is attached to this complaint ). Nearly ten days have gone by and he has not responded. Read this and you will get a full timeline and details. 

The next document I am attaching is a letter from Capital One advising that they are exiting the home equity loan business. Why send this to me? My application had already been in process for three months! This makes me wonder if any of the people with whom I have been communicating still have a job at Capital One. 

The next communication I received was an email asking me to take a survey. After I checked boxes critical of their customer service, I was INVITED TO CONFIRM THAT I WAS WITHDRAWING MY LOAN APPLICATION! Of course, I did not do this, did not submit the survey. What kind of trickery is this?
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Validation of Debt Payment Dear XXXX, I am writing to formally confirm that my debt under account number XXXX with XXXX XXXX has been paid in full as of XXXX. The total amount paid was {$120.00}. 
Please provide written confirmation that this debt has been settled and that no further action is required on my part. I appreciate your attention to this matter. 
Enclosed are copies of the payment receipt and any relevant documents for your reference. 
Thank you for your assistance. 
Sincerely,
Consumer complaint received 2024-10-11
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. (NJ)

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX XXXX $ and XXXX XXXX $ .These following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/X/17 - Tried to get free credit report from TransUnion but ended up signing up for a monthly service. Cancelled the service immediately but they were still going to charge me {$19.00} for the 2 minutes I had the account!. Called and they said they would reimburse the cost. This was classic bait and switch and should not be allowed. Especially by a company that is the keeper of your information.
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX opened up a unwanted credit card with an address I dont live at. I dont own the XXXX  anymore as I gave it back and that account was also with the wrong address. How is this right? I want everyone dropped. This is pretty much showing someone else. I dont even stay at the address they have.
Consumer complaint received 2024-10-11
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. (IL)

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name _XXXX Date open__XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX  Account Name XXXX XXXXXXXX Date open__XXXXXXXX  Account Number XXXX Reason for dispute _IDENTITY THEFT Account Amount XXXX  Account Name XXXX XXXX Date open_XXXX Account NumberXXXX  Reason for dispute____IDENTITY THEFT Account Amount XXXX Account Name XXXX XXXX  Date openXXXX Account NumberXXXX  Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX Date openXXXX Account NumberXXXX Reason for dispute___IDENTITY THEFT Account AmountXXXX Account Name XXXX Date openXXXXXXXX  Account Number XXXX Reason for dispute__IDENTITY THEFT______________ Account AmountXXXX Account NameXXXX Date openXXXX Account NumberXXXX Reason for dispute__IDENTITY THEFT__________________ Account AmountXXXX
Consumer complaint received 2024-10-11
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. (MD)

Recently i did an investigation on my credit report and I found several items to be inaccurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX ACCOUNT XXXX. 

These fraudulent accounts have led to the said hard inquiries on top of several collection accounts. 
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 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (GA)

I did n't make these charges : XX/XX/2017 XXXX XXXX Il {$190.00} XX/XX/2017 XXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/2017 XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/2017 XXXX XXXX Ny {$160.00}
Consumer complaint received 2024-10-11
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-11
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. (PA)

I woke up to find inaccurate accounts listed on my credit report, and Im truly baffled by how this happened. I double-checked my report as I always do, but this time there were strange discrepancies that appeared out of nowhere. Refreshing the browser didnt solve the problem ; the errors stayed. This situation has left me stressed, and I need my documents reviewed carefully so I can put this worry behind me once and for all.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, the discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating that my rights as a consumer are being ignored and violated.
Consumer complaint received 2024-09-03
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. (AL)

XXXX XXXX XXXX XXXX ( XXXX  ) & reporting account { XXXX }, is in violation of 15 USC 6802 " Obligations with respect to disclosures of personal information ''. 15 USC 6802 States : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This section also gpes on to speak about how a consumer has the right to opt out in section ( b ) which I, the consumer, never received from XXXX. Section ( b ) " Opt Out '' States : 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I, the consumer, never received from the financial institution a clear and conspicuous statement that my nonpublic personal information would be disclosed to third party non affiliates. Section ( b ) " Opt Out '' goes on to state how the consumer must be given an opportunity to before such time information is disclosed to opt out and not disclose such information to third parties. Part C ), the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never given an explanation from the financial institution ( XXXX  ) an explanation of how I could exercise a nondisclosure option which per this code must be given. The financial institution is also in violation of the privacy act of 1974.
Consumer complaint received 2017-12-05
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. (CA)

I am writing to investigate my account XXXX XXXX XXXX XXXX, Account number XXXX, Date opened : XX/XX/XXXX ; Amount : {$580.00} I have filed ftc complaint and written validation letters to XXXX XXXX XXXX XXXX many times from XX/XX/XXXX up to now, but XXXX XXXX XXXX XXXX couldnot validate that item.Yet, Experian bureau have not removed this negative item out of my credit report. 

Please investigate this case and remove that incorrect information from my Experian credit report. Thank you so much!
Consumer complaint received 2017-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (KY)

Fay Servicing says since they tried to pay my property taxes that they have a right to set up an escrow account on my mortgage and divert my regular payments into the escrow thus leaving my mortgage in default. 1. fay servicing never paid my taxes I did. 2. I was never notified of this change in my contractual mortgage agreement. as required by law. ( 1. TITLE XIVMORTGAGE REFORM AND ANTI-PREDATORY LENDING ACT, at any time after such an account is established in connection with any such transaction and in accordance with any statute, regulation, or contractual agreement, to close such account, the creditor or servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. ) I found out about this misappropriation on my XX/XX/XXXX bill.
Consumer complaint received 2024-10-11
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. (SC)

This is really worrisome, my credit report has items that have resulted from fraud which I never benefitted from. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-11
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. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need to lift my credit freeze with XXXX, Transunion, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2017-12-04
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 found the following inquiries that were not authorized by me that are currently reflecting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX I have previously submitted documentation to TransUnion verifying that I am a victim of identity theft along with the police report number from the report I filed with the XXXX Police Department.
Consumer complaint received 2017-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (OK)

They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.
Consumer complaint received 2017-12-05
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: 1st Franklin Financial Corporation (SC)

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about.