davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC (MD)

1st call in early XX/XX/XXXX call XX/XX/XXXX, XXXXXXXX XXXX, spoke with XXXX I asked why I was starting a 30-year mortgage when they could've offered me another alternative. Both reps stated they didn't offer an alternative at that time in XXXX. I asked XXXX if a better solution wasn't with Rocket, why wasn't that discussed with me, or why wouldn't they send me elsewhere? My home should be paid off in 6 years, however another 30 years have been added just for tae cash out. I could've gotten a loan from anywhere with my credit score.

I mentioned to her, what exactly is the American dream if I am being set back to start over again on a 30 year mortgage, I don't understand how that's helping me with homeownership, or its a way for minorities to never own our homes. 

We are paying ten times over the house 's worth, and the escrow keeps rising, increasing the payments. 

Looking at the documents, I see my husband 's name is mentioned as being on the Deed ; however, to my knowledge, his name is not listed on the deed. I don't understand all the scratch-offs on the notary information nor all the fees that were charged back to me. I would like proof that he's on the deed. 

This relationship with Rocket Mortage was initially with Quickens Loans. I went to Quickens Loans from XXXX XXXX in XXXX with a balance of {$140000.00}, with 10 years for payoff, and now {$290000.00} within 30 years. 

I need some clarity and understanding. This is not the American Dream I was told about, and I feel I've been taken advantage of. I will most likely never own my home to leave to my family without debt. Minorities are set up to have generational debt, while others have generational wealth. I was a single Mom of XXXX, XXXX I did not give birth. This was the first home I purchased in XX/XX/XXXX ; now, I'm starting over when I just needed cash to upgrade my house. 

We must do better to help ALL. 

Thanks,
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom this may concern I have a Walmart credit card through Capital one financial I have been told on numbers of occasions I was sent a letter regarding the replacement card in which I have not received, every time I call, I have been told a different date, However I ask if the letter can be resent this has been refused no letter that I been told was resent on 4 time via email. I get misleading information and excuses regarding the letter concerning the XXXX XXXX card email me the letter ,2 days ago I was told by manager very rude lady, did not get me any updated information in stand No accountability on the behalf of the company, just excuse after excuses. I still have not received any letter but was told if I call again all three of my account would be close. 
The XXXX from Capital One sent a fake letter with Capital One Letter head in which I do not believe it came from Capital. I believe she sent it herself. If it indeed came from capital, I will be taking other and further action.

My concern is I don't not believe Capital one will be sending anyone a XXXX replacement card which have a different name due to the changes XXXX discontinued their agreement in a lawsuit against Capital one. But the Customers are being held responsible due to Capital One Does not want to do what should be done is send the replacement XXXX salver card. 

So now I believe Capital One trying to create a narrative and upset customer for asking, calling requesting update on the XXXX XXXX replacement card that they honesty really do not want to replace.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX. I do not have a contract with Midland Credit Management for account number XXXX. They did not provide me with the original contract as I requested.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: KEYCORP (OH)

Key Bank charged of a line of credit account in XXXX of XXXX. They reported the account as a charge off to XXXX, XXXX XXXX and XXXX as charged off. They proceeded to drop the limit of the account and reported the balance so that the account looks like it is severely over the limit. I disputed this with the bank and they did an investigation an concluded that they did nothing wrong. So I have a charge off reporting with a balance on all three credit bureaus. 

I requested a copy of the 1099C from Key Bank on XX/XX/XXXX. I need a copy of the 1099C as proof the debt was written off as uncollectible by Key Bank. They have refused to provide me the 1099C. So either they have not written it off, which would mean they are providing the credit bureaus with false, fraudulent and inaccurate information or they wrote it off for tax purposes to defraud the IRS but did not file a 1099C to discharge the debt. In either case their reporting of a charge off to the credit bureaus would be inaccurate.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I filed a complaint EQUIFAX on XX/XX/year> and they responded on XXXX XXXXXXXX XXXX  by stating their results and saying that they had sent me a copy of the corrected results ... .Once again, EQUIFAX has lied as today is XX/XX/year>, almost XXXX weeks later, and EQUIFAX HAS NEVER MAILED ME A COPY OF MY CORRECTED CREDIT REPORT. Why does the CFPB allow EQUIFAX to continually get away with being the most corrupt and dishonest reporting agency that there is?
Consumer complaint received 2024-09-20
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. (TX)

In accordance with the fair credit reporting act, the list of acounts belows has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 Section 602A. 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 : 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 ) ( a ) 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. 

Delete then accounts below : XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (TX)

I opened this account and requested a transfer to an external account. The bank froze the account and reversed the transfer. Now, I am unable to access my account and the funds. The bank asked me for verification documents and said they XXXX take XXXX business days for them to process. I am disputing this process because it is too long of a time for them to lock up my funds. I need access to my funds.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a XXXX  on XX/XX/XXXX for {$480.00} for a cycle of coolscultping at XXXX XXXX XXXX. When I went to the spa they would not honor my XXXX, saying that O could not do a single cycle, that I would have to do XXXX for {$6400.00}. When I said I can not afford it, they told me to reach out to XXXX  for a refund. XXXX said since the company said that all sales were final, I could not be refunded even though the spa would not honor the XXXX. I called the spa back and told them that XXXX  would not refudn me and theys till refused me service. I reached out to XXXX XXXX nd they still would nto refund me. I disputed the charge with Capital One and sent them all fo the documentation between myself and XXXX  and proof that the XXXX  remained unused. I also provided records of my phone calls with the spa.and the information of the spa, as well as what the XXXX  offer entailed. Capital One turned down my dispute twice, saying that since XXXX apologized and the XXXX  was a final sale, the could not go in my favor of the dispute, despite proof that I did not receive any services. They told me that all I could do is continue to try to get my money back through the merchant. It is outrageous, as clearly I have been scammed and my credit card company won't do anything about it.
Consumer complaint received 2023-04-13
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. (TX)

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 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 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (GA)

In XXXXXXXX XXXX I contacted ALLY Bank to advise the online transfer module was not working properly. When it still wasnt fixed, contacted them again XX/XX/year>. Two cases were reopened - one with the XXXX XXXX, reference number XXXX, second issue was not being able to edit date or amount on a recurring transfer, case number XXXX. I have been advised it looks like my account has been corrupted, yet ALLY Bank does not fix the issues. Today, XX/XX/year>, I can not view transfer activity history, nor upcoming recurring transfers. I can not view upcoming transfers today. New incident report number XXXX. At this time, we only have about a week for me to view, edit recurring transfers, some one time scheduled transfers, and now I need to transfer money to pay my accountant for income tax prep. I dont have funds elsewhere to pay this tax prep fee, nor the upcoming XXXX XXXX XXXXXXXX GA and XXXX XXXX GA property tax bills. With ALLY Bank not fixing the account, I dont know if the funds will transfer timely to pay all these bills or not. They all have due dates, interest or penalties. There are very serious ramifications for me here, and I am furious that ALLY Bank has not resolved these online banking issues. I have requested a member of management contact me with the date the resolution will be completed, and any work-around they can implement in the meantime, for me to be able to access these above-referenced funds timely, so that I can pay the accountant, and the city and county property taxes. Case number XXXX. Now, on the accountants tax prep bill, he wont file my income taxes for me, electronically, until he is paid. Well, that means the tax filing deadlines are tomorrow, XX/XX/year>! So, now ALLY bank will be responsible for late tax filing fees, since I cant access the tax account to transfer the funds to pay my accountant! This is all so unacceptable! Please advise if you can help me. If not, please advise me where to submit this complaint. 
Thank you!
Consumer complaint received 2024-10-24
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. (NJ)

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (LA)

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 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 2023-04-13
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (TN)

I noticed on my credit report that an incorrect collections balance from XXXXXXXX XXXX was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with XXXX, Experian, and XXXX and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from XX/XX/year>.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.
Consumer complaint received 2022-12-26
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/2015 {$3500.00} XXXX XXXX XX/XX/2015 {$3500.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.