davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
Its essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Consumer complaint received 2024-08-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (AZ)

I have called WF several times to gain information on my checking and savings accounts to verify that both accounts were not affected by the opt in issues caused by fraudulent bankers meeting sales goals. I believe both my checking and savings accounts had add ons added to them since their inception and would like a reviews of such accounts.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (AZ)

I have called WF several times to gain information on my checking and savings accounts to verify that both accounts were not affected by the opt in issues caused by fraudulent bankers meeting sales goals. I believe both my checking and savings accounts had add ons added to them since their inception and would like a reviews of such accounts. Also the savings account I believe was closed without my knowledge.
Consumer complaint received 2024-08-16
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. (LA)

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 XXXXXXXX XXXX XXXX XXXXXXXX, 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. 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Subject : Urgent : Resolution Request Regarding Unauthorized Account and Credit Reporting Issues Dear Consumer Financial Protection Bureau, I am writing to formally address a significant issue with XXXX XXXX XXXX  that has persisted despite my numerous efforts to resolve it. 

On XX/XX/XXXX, I discovered an unauthorized account in my name with XXXX XXXX XXXX. Subsequently, on XX/XX/XXXX, I contacted XXXX XXXX XXXX  and spoke with a supervisor. During this conversation, I clarified that I had neither authorized the creation of this account nor provided any documentation or verbal consent for XXXX XXXX XXXX  to access my Social Security number. The representative assured me that the account would be removed and that it would be reflected as such on my credit report. 

However, as of XX/XX/XXXX, the unauthorized account remained on my credit report. I reached out to XXXX XXXX XXXX  again, emphasizing the urgency of removing the account from my credit report. 

On XX/XX/XXXX, XXXX XXXX XXXX  responded, acknowledging my prior communication from XX/XX/XXXX, and confirming that the account would be removed from my credit report by XX/XX/XXXX. Despite this acknowledgment, I requested documentation to verify that XXXX XXXX XXXX  had contacted all three major credit bureaus to ensure the accounts removal. 

Unfortunately, on XX/XX/XXXX, XXXX XXXX XXXX  responded without providing the requested proof of communication with the credit bureaus. Furthermore, subsequent requests for documentation made on XX/XX/XXXX, and XX/XX/XXXX, were met with no response from XXXX XXXX XXXX. 

I have since contacted all three credit bureaus directly, and they have no record of the account being investigated or removed. The absence of my signature or any authorization for XXXX XXXX XXXX  to access my Social Security number or credit report has caused me significant emotional and financial distress. 

XXXX XXXX XXXXXXXX XXXX repeated violations of consumer protection laws, their erroneous assertion that a spouse or family member can add individuals to an account without consent, and their failure to adhere to regulatory requirements highlight a disregard for legal standards. 

I respectfully request your assistance in addressing this matter to ensure that XXXX XXXX XXXX  complies with all applicable consumer protection laws and that my credit report is corrected accordingly. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-08-16
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have been told on numerous occasions from XXXX XXXX XXXX that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX Equifax XXXX and XXXX to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify this account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please remove immediately
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2024, I bought a refrigerator from XXXX XXXX. I returned it on XX/XX/2024, and the merchant issued a credit to my account. However, Capital One reported an error, claiming the merchant entered an incorrect expiration date. The transaction was processed via a card chip reader without any manual entries. XXXX XXXX 's staff, including managers, the bookkeeper, and IT personnel, confirmed that the funds were not returned following the rejection. This is my third encounter with this issue at Capital One, leading me to suspect that they are improperly withholding XXXX of dollars from consumers by alleging that they did not receive the returned funds. Enclosed are the documents from both the merchant and Capital One.
Consumer complaint received 2024-08-17
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)

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 XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

I have an credit card account with American Express that I have been trying to claim my interest that is owed to the principal to pay on the account. After sending several claim of interest notices, American Express sends me emails stating that they're investigating my inquire and then say they don't see any issues. I have even sent in billing error notices and still nothing was resolved. I just got a notification that my account was closed and the balance was never credited to the account. American Express XXXX XXXX agreement even says that interest is due to the principal along with my credit statement that also says that the credit balance is showing represents the money owed to my principal. At this point American Express is breaching there fiduciary duties and if this issue isn't resolved I'll have no choice but to file for arbitration.
Consumer complaint received 2024-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I wrote a check to draw on my HELOC. Immeidately after using the check to pay the company I called citizens bank THREE times to communicate that I wrote the check and it was valid. THREE times I called. The check was returned by them and I was charged a return check fee. The check was written on XX/XX/year> for {$42000.00}.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX  XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$4300.00}, XXXX XXXX  {$16000.00}
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Anchor Home Mortgage, Inc. (GA)

I refinanced my home on XX/XX/year>. After closing, I was unexpectedly required to pay {$2100.00} upfront for home insurance. This cost was not included in the closing disclosure or settlement statement, which caught me off guard. Since this is my first time getting a mortgage, I was under the impression that all costs were accounted for, especially since I asked multiple times to ensure everything was ready. 
When I raised this issue with my mortgage broker, he explained that they hadn't received the invoice from the insurance company in time. However, I believe they should have anticipated that I would need to fund the home insurance policy upfront, and this should have been communicated to me before signing the mortgage. It appears that they moved forward without confirming the prepaid insurance amount, leaving it out of the disclosure and settlement statement without informing me. 
I only found out about this when the insurance company contacted me, stating that I needed to pay the {$2100.00} to prevent my policy from being canceled. The insurance agent confirmed that this prepayment was included on the invoice before I received the closing disclosure. Given that this is my first mortgage experience, I feel misled and am now concerned about any other unexpected costs that might arise from this transaction.
Consumer complaint received 2024-08-16
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. (FL)

I was apart of the XXXXXXXX XXXX borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-16
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second complaint about XXXX XXXX and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from XXXX XXXX didnt bother to pay attention to it. The CFPB took a response from XXXX XXXX and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that XXXX XXXX sent back to the CFPB isnt even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXX, GA XXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on XXXX XXXX behalf. I wonder if I should contact this person and let him know that his information has been breached.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2024-08-16
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. (CA)

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 2024-08-16
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. (AZ)

XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute regarding incorrect information on my credit report and its been past the allotted time of their investigation but they have yet to fix my issue and the incorrect info on my report.