davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a loan that is now a charge off from a place called XXXX XXXX
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

I called the company today on XX/XX/2023 and spoke to a representative who refused to give me her name. I requested information on the payment history and she said she can not give me any information except I owe {$440.00} on XX/XX/2023 and a payment was made on XX/XX/2023. I requested to know when the payment had been made and why I did not receive an email. She said I can not give you any information. I am confused why I am still locked out of my account as a main borrower on the loan. I have also submitted a local police report on Ally Auto for breeching my privacy.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2024-08-23
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. (CA)

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-05-11
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MO)

I am making monthly payments to a closed account because my final payment was credited to someone else ' account in error. I have called, faxed, and written. I have letters stating the error was corrected with apologies for any hardships. In error I am still being billed monthly for this account.
Consumer complaint received 2024-08-23
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. (IL)

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 : # XXXX, XXXX XXXX # XXXX, XXXX & XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights.

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 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The Capital One Bank purposefully and deceitfully blocks my application process for checking account despite I was targeted by them in a mailing. 
The answer provided by their office of the president is fictitious and it is meant to confuse and deceive. Both my PC requirements and the public library confirmed they meet browser criteria specified by message below. Capital One continues to block my application process and when I requested an alternative to solving the issues it was denied. 
Office of the President & lt ; XXXX & gt ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Capital One CID:XXXX Capital One CID : XXXX CFPB Case No. : XXXX Dear XXXX, I appreciate you taking the time to speak with me on XX/XX/2017, regarding your inability to open a 360 Checking online. As discussed during our call, I wanted to follow up. 

After reaching out to our Technology Team, they discovered that you 're using an unsupported browser for the best experience when opening an account. Below is a list of supported browsers. 

Google Chrome : 55 Mozilla Firefox : 50 Internet Explorer : 11 Safari : 10 Chrome Mobile : 54 iPhone iOS : 10 iPad iOS : 10 If you have any questions pertaining to this letter, please give me a call at XXXX. I 'm generally available from XXXX to XXXX CT, Monday through Friday. 

Thanks, XXXX Office of the President Capital One
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

We were the victims of check fraud. Truist bank posted the fraudulent check to our account, and then a few days later rescinded the money. We were not aware of the fact that the check was fraudulent. We became aware after the funds were posted and we made a XXXX transfer as part of hiring for a job application. Once the funds were transferred, the contact person with the company began asking things from us that shot up many red flags. 

We immediately went to the bank and to the police. A fraud investigation was launched, and that account was frozen, for obvious reasons. However, we had a mortgage payment coming due in a couple of days, a payment that is on auto draft, so I had to borrow money from my mother to make our payment for the month due to all of this and the missing funds. I deposited the money into our other checking account, the one specifically for bill payments and the one unaffected by the fraud case. 

After depositing the money, Truist closed all of my accounts without notice, canceled my cards, and caused my mortgage payment to bounce. Now my account is closed, no anticipated timeframe for when the issue will be resolved, and they are unwilling to help me to make my mortgage payment. I am in a position where I will be delinquent on my house payment and possibly lose my home due to them confiscating my account and my funds. 

We are victims of fraud, and I had confidence that Truist would stand by me after all these 12 years with them, however instead they have closed my accounts and are kicking us to the curb.
Consumer complaint received 2023-07-04
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-25
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. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (FL)

received notification from credit agencies that the collection account has been placed. I, then have tried contacting the collection agency on several occasions and requested a verification of debt in writing 4 times 3 months ago. To date I have not received a response. Asking for the collection agency to remove the entries from all XXXX credit reporting agencies.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

RE : Case Number XXXX I had filed a compliant after NUMBEROUS calls to DiTech Mortgage Corp., and their constant refusal to respond to any questions I had. They in fact have yet to respond to all the issue in the above referenced case number with the CFPB. Therefore I am having to file a new complaint with the remaining issues. In my original complaint : issue number 3 was as follows : 3. On my XX/XX/XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about 5 people that all told me a different story. Story 1. It was for the insurance. All of XX/XX/XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over XXXX dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. I have yet to receive a response to this question. And again each time that I have called to ask, my account manager simply hangs up on me, repeatedly. ISSUE 2 : Recently I found out that you paid my old insurance, XXXX, over a thousands dollars, my new insurance XXXX XXXX dollars TWICE. How does a company come to disburse XXXX home owners insurance check for the SAME property for the SAME year. Are you not aware that insuring the same property more than ounce a FRAUD! DiTech has committed several FUDICIARY DUTY VIOLATIONS and INSURACE FRAUD, the way I see it. I see it this way due to there COMPLETE REFUSAL to COMPLETELY, PROPERLY and CLEARLY provide answers to their actions. ISSUE 3. XX/XX/XXXX, I get home and I have a bright yellow envelope hanging on my door, which I have attached for your review. I open the envelope and it ask for me to call DiTech. I immediately called and XXXX from Missouri answered and I told her I had an envelope on my door. She proceeded to look at my account and asked ME why I had that envelope. As you can see the envelope simply asks me to call. I ask her why I had the envelope and she just hangs up on me. As is company policy for DiTech. ISSUE 4 : I received this envelope form my insurance company. I have attached it for your review. It states that they have billed the mortgage company numerous times and have NOT received a response or payment. PLEASE RESPOND EACH ISSUE, not just one. They are numbered for your convenience.
Consumer complaint received 2024-08-23
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-06
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2016-04-03
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (VA)

I am re-opening this dispute. I 've been trying for over 6 months to resolve this with Target. However, they have been unhelpful. 

You can see from the attached letter, that I tried for 2 months last fall to resolve this. They sent it to the wrong department. 

I just called them and tried to resolve this yet again. They told me to contact XXXX XXXX gift cards. 

However, XXXX XXXX said the money has been released to Target, and there is nothing they can do. 

I am attaching documentation of all of my loads for XX/XX/XXXX. 

As you can clearly see, I loaded {$6500.00} ; however, I was only credited for {$5000.00} XX/XX/XXXX by Target. 

Their response from last fall was that the XX/XX/XXXX load in fact loaded on XX/XX/XXXX ; however, I did an additional {$2500.00} load on XXXX. 

I 'm not disputing that the XX/XX/XXXX load posted on XX/XX/XXXX. I 'm disputing that the entire loads for the month is missing {$1500.00}. 

My documentation is provided, the numbers do not add up to the missing {$1500.00}. 

Again, I 'm only focusing on XX/XX/XXXX, not the XX/XX/XXXX statement date, which includes loads in XX/XX/XXXX. 

I am hoping I can resolve this soon. Target has been no help.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (KY)

I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I 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 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

We took out a loan with Fifth Third Bank ( 5th3rd Bank XXXX www.53.com in XX/XX/2010. Since then we have dealt with a series of issues with the bank regarding posting our payments correctly. After years of agitation and frustration, I decided to submit this claim and write a letter to the CEO. The latest event occurred in XXXX when the bank increased our escrow without cause of an increase in insurance or property taxes. As a result, our monthly payments increased without our knowledge. We submitted our regular payment without the increase. As a result, the bank did not apply the payment, but returned a check drafted on their account. We spoke with a representative on XX/XX/XXXX who told us that the late fee that assessed due to the lateness of this payment would be reversed. On XX/XX/XXXX, the bank sent us a certified letter threatening the foreclosure on our home due to non-payment of over 2 months. As a result, the bank did not apply our XXXX or XXXX payment, but reported late payments to the credit bureaus. I immediately contacted the bank to inquire about this threatening notice, only to be told that 2 payments are being held in their escrow until the excess fee from XXXX of {$32.00} was paid. I immediately paid the fee to avoid any further delinquencies so they may apply our money that were being held hostage for a late fee, which they created in the first place. I then spoke with a representative in their escrow department who told me that the payments were increased due to lack of insurance. She then had to transfer me to the insurance department for specific details after I mentioned that at no time was our home uninsured. I then spoke with a representative from the insurance department who mentioned that she has no record of any lapse in our insurance. So 90 minutes later we have a 60-day delinquency on our credit and obligation to pay a fee so our money could be applied to the mortgage to avoid foreclosure proceedings. This is just one of the many unbearable practices by Fifth Third Bank.