davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Opened a money market savings account on XXXX XXXX at Wells Fargo branch in XXXX XXXX  Was told the apy  was XXXX. Signed up for that However when I received my first interest payment I was given a XXXX apy. 
Transaction date XX/XX/XXXX. XXXX XXXX  Transaction no XXXX Branch XXXX Posting date XX/XX/XXXX As stated I only received a apy of XXXX I have been in contact with them in person two times and each time no results. Keep putting complaint in I would like my Interest for June to reflect the proper apy Await response
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

IN XXXX MY IDENTITY WAS STOLEN. A FAMILY MEMBER CAME INTO OUR HOME IM NOT SURE ABOUT WHICH ONE WHO DID IT. MY SOCIAL SECURITY CARD ALONG WITH MY BIRTH CERTIFICATE AND ID WAS STOLEN, ALONG WITH MY DAUGHTERS. I REPORTED THE STOLEN BIRTH CERTIFICATES AND SOCIAL SECURITY CARDS TO THE IRS AS SOON AS I NOTICED THEY WERE MISSING I HAVE PROOF I HAVE A COPY OF THE REPORT. I HAVE BEEN TRYING TO CLOSE THIS REPORT WITH XXXX AND THEY ARE FIGHTING ME TO DO SO. I HAVE FILED A POLICE REPORT AS WELL. I NEED TO HAVE THIS REMOVED OFF OF MY CREDIT BECAUSE I HAVE NOT DONE THIS ACCOUNT. IF THIS DOES NOT GET REMOVED I WILL HAVE TO TAKE FURTHER LEGAL ACTION
Consumer complaint received 2024-07-04
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. (FL)

I AM A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ASSOCIATED WITH THEFT ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED NOW IT REAPPEARED ON MY CREDIT REPORT AGAIN I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX ACCT NUMBER : XXXX 2. XXXX ACCT NUMBER : XXXX
Consumer complaint received 2024-07-04
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. (MO)

-- -- -- -- -- -- -- -- 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 informationisinaccurate.
Consumer complaint received 2024-07-04
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)

I have listed the account on my letter along with a ftc report. I have been victimized by the fact that someone stole my identity with no consent being granted. Im requesting that my documents be examine & also mailed a updated credit report.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Risecredit, LLC (CA)

I received a letter from XXXXXXXX XXXX. a debt collector stating I borrowed money from RISE Credit of California for {$3500.00} sometime in XX/XX/year> and the money was transferred ' Borrower 's Bank Account Number for ACH Transfers ( the " Bank Account " ) XXXX. 
I contacted Rise Credit and they email me on XXXX XXXX stating they need a copy of my complaint from Federal Trade Commission ID theft Report and copy of my Driver 's license within 30days. 

Thank you, XXXX
Consumer complaint received 2024-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

I submitted a School Misconduct Discharge application for the private student loans taken out by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through Sallie Mae. I attended in XXXX. Due to deceptive recruiting practices and pressure tactics detailed in the application, I took on high interest loans to finance my education. XXXX XXXX settled a lawsuit over these very same predatory practices. I was unaware of the lawsuit at the time and was unable to seek any relief from settlement. Though, it is certainly evidence of the school 's misconduct. 
Due to the high interest rates and the handling of forebearance periods due to my inability to pay the loans, nearly 20 years after taking the loans out, I still owe nearly twice the amount of the original principle amount of $ XXXX. My current outstanding balance is $ XXXX. 
As further evidence of my claim, my federal loans were fully discharged for this school as part of XXXXXXXX XXXX XXXXXXXX. 
Additionally, I went back to school in XXXX to earn a XXXX XXXX, for which I had to take additional student loans to attend further adding to my debt burden. Fortunately, my XXXX XXXX has given me opportunities to increase my income level. And only in the last few years have I been able to begin paying back the private loans. But the damage has been done. I can not afford a house. I am severely behind on saving for retirement. 
On XX/XX/XXXX, I received a set of emails denying my application. I am seeking remediation in the appeal process for this discharge as my case should certainly meet what criteria Navient is using.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a federally protected consumer. On XX/XX/XXXX, I sent via certified mail a letter to all three credit agencies named Trans Union LLC, XXXX, and XXXX XXXX XXXX XXXX. This letter was in response to my failed and unsuccessful attempts at disputing the incorrect information on multiple occasions. The letter stated that I did not give these companies anything in writing in regards to lawfully furnishing the information addressed on my consumer report and that it is incorrect. 

The specific account referenced was named XXXXXXXX XXXX XXXX XXXXXXXX. This account contains a total of XXXX late or delinquent payments on my consumer report which is false and inaccurate information. This information was never presented with any proof that it was verified or the method in which verification of this information was obtained. When disputed, the only thing sent to me in return was a copy of my consumer report stating that it was verified. The law states that anything reporting on my consumer report must be authenticated by ME, the consumer to whom the account belongs to. These credit agencies do not have the right to verify and authenticate information on my behalf without my permission. 

Currently my account has late payments being reported on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are all currently in a billing dispute resolution as of XX/XX/XXXX in which I have the proof to show. This means that none of these accounts are to be reporting as late or delinquent or closed for any reason until the matter is resolved. I am demanding that all late payments on my consumer report be deleted. 

This negligence on behalf of the consumer reporting companies named XXXX and Trans Union has cause damages due to me being denied for credit because of late or delinquent accounts. It has prohibited me from being able to obtain a new vehicle in which I am in need of. It has prohibited me from being able to obtain new credit from most places that I have applied.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i reviewed my consumer reports and noticed that i had a late payments on an account : XXXX  XXXX, XXXX XXXX XXXXXXXX, that i was never late for a consumer reporting agencies have assumed a vital role and a responsibility to report costumer information to be the best of their with maximum Accuracy, please investigate and provide proof with statements showing that these payments were late.If proof cant be provided I demand these payments be updated to on time as they should be as i was never late. Thank
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (UT)

Rocket Mortgage bought my mortgage from another lender. In the process the information on paying the hazard insurance did not get transferred over and the insurance lapsed. Rocket Mortgage informed me that there was no insurance, and I took steps to get new coverage within two days. Rocket Mortgage now deducting from my escrow to buy retroactively insurance for the lapsed period of XX/XX/year> - XX/XX/year>. No losses were incurred during that period and would likely not been paid if they had so this appears to be a junk fee being charged. They " bought '' the " insurance '' XX/XX/year>. Loan # XXXX.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

On Monday, XX/XX/XXXX, I got an unauthorized XXXX payment of {$270.00} deposited into my Ally checking account from a XXXX XXXX. I didnt know this person at all and figured it may be a scam so I promptly called Ally Bank ( Spoke to XXXX  ) to flag this transaction as unauthorized. That said person did call and text me but I did not respond as I assumed it was a scam. Ally said they would withdraw the {$270.00} and file my dispute under Ticket # XXXX. They said they would NOT freeze my checking account because they would just return the money and take care of it. 

On Tuesday XX/XX/XXXX, it shows {$270.00} withdrawn from my account ( see attached ) and I thought it everything was settled. 

However, on Friday, XX/XX/XXXX I got an email from Ally that my XXXX account attached to checking account has been suspended. I called and they said it was due to fraud. I explained the whole situation about saying Im not as fault and it was already resolved by one of your associates. They said they will just sent it to their back office ( Ticket # XXXX ) to get it reinstated and will be fine. I spoke to XXXX. 

On XX/XX/XXXX, Ally froze my entire checking account without warning. I couldnt access my money or make any transfers. I called again and was told it's under review by their fraud department with no timeframe given. 

This account holds over {$8000.00} and receives my paychecks. I followed all proper procedures in reporting the unauthorized deposit, yet I'm now denied access to my primary checking account and using XXXX services.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Scott Fetzer Financial Group Inc. (TX)

This is reporting differently across all bureaus, showing inaccuracies. United Consumer is not my debt this belongs to XXXX XXXX.They have sold this debt but also charged it off. I keep getting calls from people I dont know who are legit. They would not take the XXXX XXXX back and put it on my credit but not his credit when he is the one who got the vacuum
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My Capital One credit card balance was reported prematurely either by Capital One, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give Capital One an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either Capital One or XXXX is being dishonest in the matter. I hope it is not Capital One, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.
Consumer complaint received 2024-07-04
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. (MI)

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.

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 2024-06-22
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. (IN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-04
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. (NC)

I am writing to bring to your attention several unauthorized inquiries on my credit report. Upon reviewing my report, I found the following inquiries that I did not make nor authorize : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX These inquiries are not mine, and I request that you remove this incorrect information from my credit report immediately. 

Additionally, I have found TransUnion website and the process for disputing information online to be quite difficult to navigate. Therefore, I am seeking your assistance to ensure that these unauthorized inquiries are removed promptly.