davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX, I opened a high yielding savings account with ING Direct. In XXXX, Capital One purchased my account through a merger and renamed my account a " Capital One 360 Savings Account. '' At the time, Capitol One XXXX XXXX XXXX sent me a letter that pledged : " our commitment to you is staying the same. '' He specifically promised that after the merger Capital One would still be offering " great features and rates that we know are important to you. '' Over time and following market conditions, Capital One gradually lowered the interest rate on my 360 savings account until it reach a low of .3 % in XX/XX/XXXX. But as market conditions changed over the past 3 years and interest rates rose, Capital One never raised the APR on my account. Instead, around the same time they froze my variable interest rate at its lowest point, they created a new savings product with a higher APR and deceptively similar name : " Capital One 360 Performance Saving. '' They did not notify existing customers about this new savings product and made sure there was no mention of it in the App, which all existing customers are encouraged to use. 

Locking in existing 360 customers at a .3 % APR when market conditions have changed drastically and interest rates have risen precipitously while creating a new product with a deceptively similar name that pays a much higher APR is a far cry from keeping its promise to former ING Direct customers. 

I have filed 2 previous CFPB complaints about this issue and am completely dissatisfied with Capital One 's response through their representative, XXXX. They have been stealing from customers by not paying them the interest they are owed and in the process will destroy Capital One 's good will and reputation for customer service. I just found out today that a lawsuit was filed against Capital One regarding this issue. I'm looking forward to seeing what a jury thinks of their fraudulent and deceptive practices.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2024-02-01
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

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 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account with Truist bank a week ago. I needed money in my account immediately to pay my bills. So, because my mom was connected to my old bank account with XXXX XXXX XXXXXXXX, she was able to transfer all of my money to her account then XXXX it to my new account with Truist, it was roughly {$18000.00} that was being transferred to my account.Truist saw it as fraud instead of asking me about the transfers even though I had all the proof that it was correct and it was my money being transferred into my new account. Instead they just closed it without any notice at all and any explanation really I just came to the conclusion it was the XXXX transfers because thats the only thing thats happens with this account because it was new and I was still waiting for my card in the mail.
Consumer complaint received 2023-08-28
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX, I was robbed and my phone was stollen in XXXX where I live. The robbers were able to access my phone before I was able to call Chase and report the fraud. They had then sent themselves {$2000.00} XXXX transfer from my Chase account to theirs. I called Chase who advised me to fax them a police report from the XXXX, which I did fax to them, only for them to reply to me again saying that the claim is denied even though I have my full statement with the XXXX in the police report the had asked me to provide.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK (KS)

I scheduled a payment to my mortgage company through Commerce Banks online banking for XX/XX/2023. The money, {$1500.00} was taken out of my account on XX/XX/2023 by XXXX, the company Commerce contracts with to handle their online banking. On XX/XX/2023, XXXX, the mortgage company, sent me notification that my account was delinquent. I called them to find out why. they informed me that the check they received was denied payment by Commerce bank. I called Commerce to find out why since i had over {$50000.00} in that account. Customer service for their online banking is handled by XXXX, the same company that sends out payments. they told me that they had the cancelled check from the payment. I requested a copy of it and was emailed a copy of a check that was written by a lady in Indiana to something called " XXXX XXXX XXXX. '' I do not know either the woman whose account the check was written on or the organization it was written to. The check wasn't even from my bank or account. It was sent by XXXX XXXX XXXX. I have spoken with several people at Commerce Bank, XXXX and XXXX and can't get any answers except, " I'll get back to you. '' or " I'll have someone call you. '' the only exception to that is Commerce Bank. The branch manager and his assistant have been putting forth an effort to reconcile the issue. Both XXXX and XXXX reps told me they opened investigations on it and that I would hear from them in no more than 5 business days. That was three weeks ago and I have heard nothing.
Consumer complaint received 2023-10-27
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. (NY)

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 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 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MN)

XXXX did Not provide a statement of charges after moving out within the XXXX  day time-frame that the landlord and their attorney acknowledges they had to provide the information. I did not receive deposit or statement. Landlord has tried to post charges previously on account ledger for things like eviction notice when there was never any eviction and we were never served with one but they charged a fee, charges for rent twice in one month that after i disputed with the apartment manager, they claimed was a mistake, not fixing anything in the unit then attempting to overcharge to make a large balance for tenants, etc. I just received an alert that {$910.00} was posted to my credit report. please review documents associated with complaint.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-12-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC (VA)

XXXX XXXX XXXX XXXX dba Attorney for Glasser and Glasser P.L.C. is attaching me to debt because my name is on the deed of the property. Glasser and Glasser purchased a debt from XXXX XXXX XXXX XXXX and is alleging I owe a debt when I have no contract with Glasser and Glasser P.L.C. Glasser and Glasser was notified multiple times first starting on XX/XX/2023 via Certified mail that there was a billing dispute between XXXX XXXX XXXX XXXX and the person on the Note. 
The multiple notices have been ignored by XXXX XXXX XXXX XXXX dba Attorney and agents of Glasser and Glasser P.L.C. 
The original mortgage has been bifurcated. This is likely due to the closing Attorney, XXXX XXXX XXXX, XXXX, who was assigned by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX license to practice law was suspended approximately 6 months after our closing due to making false statements on XXXX XXXX matters to XXXX agents. Then, 7 months after that, his license to practice law was revoked for misconduct. A notice has been sent to XXXX XXXX XXXX XXXX and Principal for Glasser and Glasser P.L.C. via Certified mail regarding this matter. 

XXXX XXXX has been noticed of the error at closing via XXXX Mail. 

This complaint is being provided so that XXXX XXXX XXXX XXXX doing business as Attorney and any other agents of Glasser and Glasser P.L.C. CEASE and DESIST collection efforts and threats to foreclose on the property. In addition, Glasser and Glasser and its agents must CEASE and DESIST attaching me to an alleged debt for which I am not responsible. 
Glasser and Glasser has been notified via Registered Mail that this debt has been discharged per the original note holder. 
Notices to XXXX XXXX XXXX XXXX have been ignored and now he is threatening to foreclose on this property using deceptive practices.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLIED MORTGAGE GROUP (SC)

I spoke to the mortgage company mid XXXX to inquire why my mortgage payment was increasing so much. They stated it is due to my escrow shortage. I let them know they have the wrong amount for my taxes which was the same issue they had last year. They have my taxes at {$5500.00} which they paid last year on XXXX, XXXX, XXXX. A refund was issued for {$3700.00} on XX/XX/XXXX. They still have my incorrect tax amount and have significantly increased my payment. My correct tax amount is {$1800.00}. They will not review the most recent bill that is published on the tax website because they stated it was too old. I then provided an estimate directly from the county which they said they will not take because it is only an estimate. I was told the earliest they would resolve this is sometime in XXXX. This has caused my monthly mortgage payment to increase over {$400.00} dollars. 

The only resolution they offered was to stop my auto payment and wait till resolution. This is causing a large financial hardship with no resolution. I have already made two payments over the amount.
Consumer complaint received 2023-09-13
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. (PA)

I asked experian and XXXX on numerous occasions to do a investigation on account that have a similiar nmae to be remove experian and XXXX  still have accounts and names such as XXXX XXXX which seem to be very different from XXXX XXXX so why insert this name as well as accounts on my credit file. I understand that XXXX XXXX is a very common name but to insert another individual name all together is just wrong and these company should be held accountable for this because my score dropping XXXX points for these accounts from DEPT OF EDUCATIONXXXX and I can't move forward in my life into this investigated so I'm asking ofr help before seek legal counsel.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX ( Original Creditor : XXXX XXXX  ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX  XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant 18 U.S.C. 8 I dont own any debt this company is violating my consumer rights to privacy. 

Account name XXXX. XXXX  XXXX Account number XXXX
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CAPITAL ONE XXXX, CAPITAL ONE XXXX and CAPITAL ONE XXXX.
Consumer complaint received 2024-03-28
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. (VA)

I am filing a formal complaint against XXXX and TransUnion in regards to my rent not being reported to my credit report. Ive been in constant communications with XXXX XXXX and I agreed to them reporting my previous 2 year transaction history of rent being on time to XXXX and TransUnion, but to this day, nothing has been updated on my credit report, so I would like to know why is this information being held from my credit report. I tried to correct this online through the different credit agencies website but its limited, I can only dispute information thats currently on my report. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed here by XXXX and TransUnion. The Fair Credit Reporting Act ( FCRA ) protects against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the ( FCRA ), it can cause lower credit scores, denials of credit, higher interest rates on loans and credit extensions, and more. I know there is currently a lawsuit against TransUnion for failure to ensure the accuracy of tenant screening reports and thats exactly whats going on here.