davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I paid my capital one credit card in full using my debit card on XXXX XXXX knowing I would have to have proof of a credit card when I picked my rental and be able to put deposit to get my hotel I booked for XXXX XXXX in XXXX The plan was to arrive in XXXX get a rental and drive down to XXXX because everything was cheaper that way ( I THOUGHT )... However upon arriving in XXXX to pick up the rental my capital one card hadn't recieved proof the money was available, which was a totally embarrassing experience I immediately called capital one and was given the run down by them, that it was a 4 day hold. I called my bank and was informed it was a direct deposit funds available immediately, I then called capital one back, and I explained to them by way of my bank that the money was a direct deposit not a check deposit I explained that my bank had informed me it was no longer pending as of XX/XX/XXXX and today is the XXXX They told me it was nothing they could do about this after they called and failed to speak with a rep at my bank, I offered and said I would call and merge the call and was told not an option I then explained to them I was stranded this company apologized and that was it... I explained again the seriousness and nature of the situation I told them I did my due diligence by paying 2 days early making sure it would post so I would be able to rent the car and gain access to the hotel. After all the pleading they said nothing they could do I asked them to refund they said they couldn't AND AS OF THIS PRESENT MOMENT XX/XX/XXXX THE FUNDS STILL ARE NOT AVAILABLE So Im stuck had to get Walmart dispatch in XXXX FL to send a XXXX for me so I could get a room... I am a Walmart private fleet truck driver and was SUGGESTED by Walmart legal assist to contact XXXX  and file a complaint which legalized the initial correspondence I want to be reimbursed for money I have already spent on rental and room This is my first attempt, no one had called nor returned my original correspondence with them They basically said it's not my problem you stranded in Florida after the web site starts its a 2 day hold only at most
Consumer complaint received 2023-10-11
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-10-12
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. (NY)

I am formally requesting a re-evaluation of my identity theft dispute and a detailed explanation of the reasons for the denial. I urge your bureau to conduct a thorough and objective investigation into my case, taking into account all the evidence I have provided. However, despite the ample evidence provided, I was dismayed to receive a response from your bureau stated my dispute was denied. The letter did not provide sufficient justification for the denial and failed to acknowledge the gravity of my situation. I believe there has been a grave oversight in the evaluation of my case. I provided the required documentation and supporting evidence to substantiate my claims. This included a FTC Report from IdentityTheft.gov. My identity theft claim, submitted since XX/XX/XXXX of last year, outlined the following fraudulent activity on my credit report : XXXX XXXX XXXX XXXX. Please delete this fraudulent account ASAP.
Consumer complaint received 2023-10-11
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. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXXXXXX XXXX, yet XXXXXXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

Was previously on REPAY ( form of XXXX ) and was informed on the FSA site that if you were already on this play you would be automatically switched to the SAVE plan. More time passed and it never switched over. I submitted an application for the SAVE plan and was informed yesterday by MOHELA that this was under review so my loan payment is due now without adjusting my plan. Even though I followed the advice displayed by the FSA site and MOHELA. I am not sure why I was never switched over to the SAVE plan like the site said I would be.
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sunbit, Inc. (NC)

I requested that I receive my bill by mail instead of electronically. Under federal law this request must be met. I never got a bill in the mail as I requested. Furthermore, I was never notified that there was any attempt to collect an alleged debt and I was also never given notice of my rights to dispute said debt. Now a delinquency is showing on my consumer report even though I never authorized my personally identifiable information to be shared or slanderous information to be placed on my report.
Consumer complaint received 2024-09-06
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments have attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. This is a clear inaccuracy on my credit report. Im now requesting you investigate this account and update this payment to Paid on time immediately.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00}
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

Hi, My current loan to value ratio onmy mortgage with Freedom Mortgage is 53 %. My credit score is over XXXX. I have never filed a bankruptcy, never been delinquint or late with any payments including credit cards, previous mortgages, insurances, property taxes etc Have not made an insurance claim in past couple decades!. Have an immaculate credit history. I see no reason for Freedom Mortgage to continue escrowing my property taxes and insurance. I have made multiple request to Freedom mortgage to waive the escrow collection. They have given some bogus excuses that make no sense! I can manage my property and my funds very well without a third party!
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (WA)

Hi, I have a couple of problems with this company. 
The first is that they refuse to remove optional insurance from my account and tell me to call them. I emailed them from my account of record. 
The second is that I spoke with a woman at that office a couple of months ago and asked her to stop automatically billing me and she said that she did, but I was charged again this month. They took money out of my account without my permission. 
My other issue is that they refuse to send me the policy that allowed them to charge my account without my permission. 
They keep telling me to call them and they called me after I asked them not to. 
I feel that in addition to refusing to service me and my loan, taking money from my account without permission, and calling me without permission, they are also trying to avoid giving me documents in writing. 
When I do speak with them on the phone it seems that they don't do what I ask and they waste a tremendous amount of time on the phone. They're very slow when you get on the phone with them and the calls drag on for a long time with every interaction. 
I have additional phone records and emails showing that I canceled automatic payments and requests no calls.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (AZ)

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.

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 2020-06-10
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. (NV)

reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (NJ)

I have over 271 unauthorized transactions from XXXX XXXX and I do not have an XXXX account. I do not use XXXX AT ALL & neither does anyone else in my household. I have reached out to chime over 80 times with calls and emails. I have disputed the charges multiple times and got denied after 20 minutes of their so-called investigation I have filed multiple rebuttals sending evidence that I did not make those transactions including screenshots between the merchant and myself and verbal/written statements, and my claim is constantly denied after about 30 minutes to an hour. They dont take the time to thoroughly investigate. They simply deny over and over with no investigation. My card was charged over {$9900.00} and every dispute is denied over and over with no investigation occurring. The merchant not really helping I dont know what else to do.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

The company was Bank of America. I had a charge a couple months ago to my account of {$1000.00}. I contacted them about it and they closed my claim saying there was no posting error that occurred on my account. I tried to reopen the claim and they closed it once again. It happened on a Saturday at XXXX XXXX they had told me, the banks were closed so I couldnt report it until that week. So I did and they told me it was too late even though I had no other way but to wait to call them that week when they were open. I talked to supervisors as well, and they told me they wouldnt tell me why they wouldnt refund my money back to my account. He was very rude and inconsiderate. I couldnt even get into my account that day because they closed my account so I had no idea what was happening. Im very disappointed in there service. They treated me like XXXX and didnt care about my problem or {$1000.00} being stolen from my account.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.
Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc. (VA)

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX Va Police  Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.