davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

In XXXX XXXX I met with XXXX XXXX XXXX XXXX of Citibank in XXXX XXXX Florida. Branch address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told her I was signing up for a special promotion I saw for {$2000.00} to open a Citibank business account and fund it with XXXX min for the required depsoit period. This applied to all citi business acounts at the time. I opened a chjecking account and a money market account. I never got the {$2000.00} signup bonus although I qualified for it. I called the toll free number on XXXX at XXXXXXXX XXXX and somebody in the XXXX told me she knows nothing about this. I understand that other Citibank business customers are not getting the proper bonuses as they should be. This seems to be a widespread problem that needs to be resolved. I could have gotten higher interest at other banks, however I took the Citibank offer and they do not want to pay the terms of the offer.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (CA)

I've tried multiple times to resolve the fraudulent, inaccurate, and misleading info showing up on my credit report, but the issue is still hanging around. It's been super stressful and XXXXXXXX especially since I never gave permission for this info to be linked to meI 'm a victim of identity theft, after all.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (MI)

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 2024-10-23
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. (TN)

To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file and to express my profound dissatisfaction with how my disputes have been handled, which constitutes violations of the Fair Credit Reporting Act ( FCRA ). 

Your recent correspondence indicated that you contacted the creditor regarding my dispute but were still awaiting evidence. This delay is unacceptable and represents a clear violation of Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting information. 

I have submitted all necessary documentation, including my FTC report and police report number, yet your bureau has continued to claim that I must further substantiate my personal information. This insistence contradicts Section 611 ( a ) ( 1 ) of the FCRA, which entitles consumers to dispute inaccurate or incomplete information. Your failure to act on the provided documentation reflects a serious deficiency in your investigative process. 

In your recent reports # XXXX from XX/XX/year> states that the information is " still pending, '' which should have been communicated to me promptly. Report # XXXX, dated XX/XX/year>, also indicates that the dispute is " still pending, '' with completion projected for XX/XX/year>. Finally, Report # XXXX, dated the same day, states " here 's your results, '' yet the following line merely states " Credit items. '' This lack of clarity and the absence of meaningful results further illustrate that a thorough investigation is not taking place. All of this information was received by me on XX/XX/year>. 

Your bureaus inability to provide tangible evidence and clarity about the outcomes of these disputes demonstrates a blatant disregard for my rights under the FCRA. The incomplete nature of the investigations is indicative of negligence and raises serious concerns about your commitment to maintaining accurate reporting. 

If the inaccuracies and incomplete information are not rectified and the disputed items removed from my credit report immediately, I will have no choice but to pursue legal action for violations of the FCRA and seek damages for the harm caused by your negligence. 

I expect a prompt response and immediate action regarding this matter. Please ensure that all communications related to this dispute are documented and sent to me in writing. 

Sincerely,
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC. (OH)

First I would like to say this company is the worst. My auto loan contract is extremely unethical, and fraudlent with excessive interest rates. At the end of my term I would have paid well over {XXXX for a {XXXX} vehicle. Moving forward, I was involved in a car accident, and my vehicle was deemed a total loss. The claim took several months for my payment. XXXX XXXX was aware of the total lost and received payment from the insurance company, along with a XXXX claim to cover the remaining balance. During the XXXX process, XXXX XXXX charged off my account and now I have a auto loan charge off on my credit report. My XXXX claim has sent in the payment, however XXXX XXXX is still showing a remaining balance of {XXXX}. I have the letters from my insurance company, with proof of payment and my XXXX claim showing the final cost covered for the car. XXXX XXXX has charged an excessive amount of interest and late fees during the XXXX claim. I am unable to purchase another vehicle due to the inconsistency reporting from XXXX XXXX, its affecting my life drastically. I should not owe anything especially if I had a XXXX claim with the insurance payment. XXXX XXXX has not even notified me when my account was charged off.
Consumer complaint received 2023-06-13
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: AMERICAN EXPRESS COMPANY (FL)

I called Hilton to make a hotel reservation. During the call, a representative came on to ask if I wanted to sign up for a Hilton AMEX card. I explained that I really didn't need another AMEX card but they proceeded to explain that I would get XXXX Hilton rewards points if I was approved for the card and spent {$1000.00} in the first 3 months. I thought that was a pretty good offer so I accepted. I was approved for the card and I spent more than the designated amount well within the allotted time frame. I never received the bonus rewards. Since then I have made numerous calls to AMEX, spoke to numerous different representatives and supervisors and I am given a canned response of " I didn't qualify for the bonus '' but they can not and will not give me the reason why. They blame the third party at Hilton and Hilton blames AMEX. I explained that they are fraudulently luring customers under false pretenses and then not taking any responsibility. I asked them to listen to the recorded call and they refused. I feel I am entitled to this bonus as my credit was affected with the new card and will be again affected if I have to cancel.
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer I have a right to privacy. My financial history with Capital One should be private. 

Per the terms and conditions of Capital One it is noted they agreed not to share my information with non-affiliates. XXXX is not an affiliate of Capital One. 

Per the SEC filing of Capital One it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} o more the balance is credited to the consumer. Reporting this account as a charge is a violation of the oath Capital One agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. 

Capital One and XXXX or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

Capital One is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that Capital One transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

The company, Shellpoint, a division of Newrex, with a mailing address of XXXX XXXX XXXX, XXXX, TX XXXX and a phone number of : XXXX has forced us to escrow hazard insurance for 18 months at a monthly payment rate of {$110.00} while we have always maintained our own hazard insurance through XXXX XXXX on this mortgage, from the time we originated the mortgage on XX/XX/XXXX. 
We have sent numerous documentation showing our insurance coverage, letters regarding this issue- since we waived an escrow account, e-mailed the company proof of insurance to : XXXX, called and explained our situation a number of times, had our XXXX XXXX XXXX, XXXX XXXX contact them and email our payment history, etc. and declaration page, etc., without any resolution or reimbursement of the funds totaling {$2100.00} for the hazard insurance, that they have extorted from us for 18 months, as well as late fees of @ {$270.00} when we didnt pay the escrow account for approximately 4 months because as I said we had our own insurance. 
We also sent a letter with our documentation to Shellpoint Mortgage Servicing at XXXX XXXX XXXX, XXXX, SC XXXX where it states on the payment coupon to send correspondence for Notice of Errors in XX/XX/XXXX, and XX/XX/XXXX with no response. They substantially damaged my credit by posting late payments for the 4 months we didnt pay the hazard insurance, even though we have always made the mortgage payment on time. The lower credit score caused us to be unable to get a loan in XXXX, XXXX, for a primary residence we were hoping to purchase. My credit had been excellent prior to this and in 35 years of home ownership, I have never had a late payment in a mortgage. I have accrued additional interest on our mortgage that needs to be removed as well. On XX/XX/XXXX, I also emailed documentation to Shellpoint after speaking to their representative, XXXX XXXX. This whole issue has cost us a large loss of time, money and the purchase of a primary residence, and we have had to rent causing us an additional loss of equity in a home as well.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (FL)

I recently disputed the accounts/ information listed below to Experian and XXXX XXXX agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 XXXX has responded stating the information was verified and XX/XX/2023 Experian responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of Experian 's and XXXX 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with XXXX and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against XXXX and Experian to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as XXXX 's response.
Consumer complaint received 2023-06-13
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. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My original loan was {$32000.00}. XXXX bought my loan from XXXX and doubled the amount and then started reporting me late for payments and forcing my account into forbearance. This killed my credit because as he explained any payments I made would only pay off the interest. Not the principal balance. 

How can a company buy your loan and more than double the principle?
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NC)

I sent in letters to Experian about incorrect information on my credit report. I sent the documents certified mail. I received a letter from the XX/XX/23 that stated they would not go forward with my investigation because they didn't think it was me that authorized the letters. I called the Experian on XX/XX/23 and told them I have full knowledge of the letters because I sent them in and I want to go forward with the investigation. I waited a couple of days and called them back XX/XX/23. They told me that they had not received my documents. I told them I sent the letters in certified and I could verify the letters were delivered. The representee then told me she still could not find my information and that I had gotten the response from them in the mail because they didn't think I sent the letters in but also told me because I received that response from them that any information or documents I sent mail was discarded. Wow had me in and uproar, certified mail is expensive. She then gave me information to an upload portal { www.experianXXXX XXXX and had me upload my letters again. I was so frustrated because I knew they received the letters. I called today XX/XX/23 to check the status of my investigation. Before I got to speak with the representative XXXX I was hung up on three different times. XXXX then told me the original documents that I sent in certified mail were there from the beginning and she didn't know why the former rep would tell me otherwise and also told me that the investigation has not been started yet. As a consumer I'm so disappointed in how Experian is handling my investigation. I am considering getting my attorney involved.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.
Consumer complaint received 2023-06-13
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. (SC)

1 ) XXXX XXXXXXXX # XXXXXXXX XXXX I asked them to mail me the proof of their investigation and they failed to do that. 

2 ) XXXX XXXX # XXXX XXXX and XXXX XXXX # XXXX I asked to provide statements and records of all payments made and missed since I opened these XXXX accounts and they never sent me proof. They ignore it. 

3 ) XXXX XXXX # XXXX {$2200.00} I never had a contract with this debt collector for any debt I asked to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They haven't sent me any proof.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NAVY FEDERAL CREDIT UNION (CO)

I had a financial loan for my XXXX, I ended up getting into a XXXX XXXX XXXX and had to file a police report. I was not at fault for the XXXX  and I was also not injured but my car was XXXX  and towed from the scene. 
I did not have enough money to retrieve the vehicle so I lost all the items inside my car and also the vehicle.
Consumer complaint received 2024-10-09
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for an XXXX account ( online fitness service ) with a XXXX email address. That account was canceled in XX/XX/XXXX. 

I subsequently created a new account from my work email, which was canceled on XXXX XX/XX/XXXX. The XXXX refunded me the amount, which is reflected on my capital one card. 

I then received an email that the service that I had signed up for ( on demand access ) was being discontinued on XXXX XXXX, and would no longer be offered effective XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, XXXX charged my credit card for the service that was discontinued ( their on demand access ). I immediately emailed them to request for the charge to be reversed as I no longer had an active account with them, and they were no longer offering the services anyways. 

When they refused, I filed a dispute with CapitalOne, which they promptly rejected. I then resubmitted the information XXXX and spent multiple hours on the phone with them, only to be advised that this actually fell under their fraud department 's scope. I filed a case with their fraud department, which they rejected within hours. 

I've sought the advice of an attorney who recommended that I reach out to you, as this evidence I shared with him unequivocally demonstrated that the charge was fraudulent. 

Attached you will find my cancellation for the original account. My cancellation for the second account, as well as the discontinuation notice for the service. I've also included the fraudulent charge, as well as my request for it to be reversed. I've also included the credit card statement that shows the refund in XXXX. 

Finally, attached are all the dispute responses from CapitalOne.
Consumer complaint received 2023-06-27
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. (LA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.