davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit card — Store credit 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 (RI)

The company is refusing to resolve my dispute case # : XXXX. 
I filed this complaint earlier and the companys excuse for not resolving the issue is that they have not received requested documents of my federal or state ID and my prove of address. Meanwhile these documents have been submitted more than six times. I called the customer service line on XX/XX/year> to follow up. I was told my ID card and my prove of address have been received but the company does not accept my prove of address. The customer service personnel whose name according to him is XXXX said the company accept bank statement as the only prove of address. On that day XX/XX/year> I submitted my XXXX  XXXX XXXX statement whiles I was on the phone with XXXX the customer service personnel and he confirmed receipt of my document and said a specialist will reach out to me. 
On XX/XX/year> I called their customer service to follow up and I was told my XXXX XXXX XXXX statement is not acceptable so I should provide another form of prove of address. Without hesitation I provided my XXXX XXXX  statement. 
On XX/XX/year> I called again to follow up. I was told by the representative to provide my XXXX XXXX XXXX digit debit card number and I insisted what does my debit card details has to do with my prove of address? I further told her that I am a victim of Identity theft and I dont feel comfortable with her request. I told her they insisted for my bank statement which have the bank contact information so they should rather contact the bank if she doubts the statement. She asked for my phone number so tha

t a specialist will reach out to me regarding resolution of the fraudulent charges on my account and I gave her. I have now suspected that some of the representatives may be part of the fraudulent activities on my account. Anytime I called the customer service line, I will be transferring to more than 3 departments which I dont know who they are and they ask for every detail of of my identity for verification excuses yet at the end they dont resolve the issue. After I ended my call with them yesterday XX/XX/year> I had a missed call and I thought it was the specialist who called with number XXXX. I Checked the number and the number does not exist. I am living in perpetual fears with what is going on between me and Capital One credit card
Consumer complaint received 2024-07-09
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. (AL)

I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with XXXX ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading. 

Details of the dispute are as follows : XXXX. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness. 

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, XXXX, TransUnion, and XXXX take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-02-03
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. (TN)

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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This is a continuance of complaint number XXXX. Huntington Bank has never responded to my account complaint of monies being removed from my account first via unwarranted late fees now by duplicating previous charges made on my account and removing money that way. On XXXX/XXXX/2016 I check my account it had at that point $ XXXX.+ in it. The next day todayXX/XX/2016 it now has {$1400.00}. I have n't made any purchased and items from another day the entire charges made on XXXX/XXXX/2016 are false. This is a continued effort from what can only be a criminal group which keeps removing monies from my account and for some reason i ca n't get the bank or CFPB to get Huntington to do a complete audit just like I could n't get XXXX XXXX XXXX to do likewise when clearly monies was being removed from my account. This clearly is some type of criminal organization as I have a tax refund of {$990.00} from the IRS but without any explanation they keep stating I used the Hope credit which I clearly have n't and audited me. I used the company XXXX which when audited they represent you but for some reason they did n't even though they pretended to do so and had everything they need to show audit is incorrect. Money is being stolen from me and even though I write, complain and refer the acts to organizations like CFPB, FTC, etc. nothing gets done until years later the news reports what I reported years earlier.
Consumer complaint received 2024-08-24
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: Consumer Portfolio Services, Inc. (GA)

Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very misleading. You are in violation because you DID NOT witness me sign for these inquiries or accounts on my credit report.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (IN)

Effective XX/XX/2024 our mortgage was transferred from Mr. Cooper, powered by XXXX to Mr. Cooper ( XXXX  ). On XX/XX/2024 we received an alert from the credit bureau stating that our XXXX XXXX had dropped XXXX points. When we looked at the credit report, the credit report did not reflect any open mortgage accounts. 

We filed a complaint on XX/XX/2024 and a XXXX  request on XX/XX/2024 after reviewing our credit report again where the mortgage still does not appear. We have already made a payment and will be making a XXXX  payment, yet nothing is reflected on our credit report. This particular mortgage has been transferred before without incident.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/year> I attempted to establish an online account with Transunion for the purpose of freezing and unfreezing my credit file. For some unknown reason, they locked the account. I had to speak to customer service to provide verbal approval to remove a freeze that I apparently placed verbally years ago. 

As a result of recent data breaches, I again attempted to establish an online account with Transunion on XXXX XXXX, 2024 to freeze and unfreeze my credit file. Again, my online efforts failed, as the online account was blocked again. After lengthy waits to speak with someone, my conversation with a third rep told me my case required " special handling '', and that another service rep was going to call me. Today is XXXX XXXX, and no return call. I then tried again tried to call Transunion, and after being on hold for over an hour, I connected with someone, who abruptly hung up. 

On XXXX XXXX, I received an email from Transunion offering me the opportunity to enroll in their credit monitoring service for nearly {$30.00} a month. 

What's wrong with this picture? They appear to be trying to avoid providing a free service, and instead get me to enroll in a paid service. There is absolutely no reason why they should block my efforts to enroll in the free online account. In the conversations I had with them on XXXX XXXX, I provided multiple sets of data to prove my identity, so there is absolutely no legitimate reason for Transunion to not establish my online account. This appears to be classic bait and switch, if not extortion.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC (MD)

Since XX/XX/year>, I have been receiving electronic communications from a company called XXXX XXXX, claiming a debt owed to XXXX, a buy-now-pay-later loan service. These communications come through text and email. Due to phishing concerns, I avoid opening any suspicious links sent via email or text. I am wary of the communication because I have not received any validation information via the United States Postal Service. I believe XXXX XXXX 's actions violate the Fair Debt Collection Practices Act as their electronic messages have turned harassing, oppressive, and abusive.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (FL)

This company was asked to give information of original wet ink contract and full record of accounting. plus they were asked to cease and desist and were sent an estoppel to never to discontinue. They were also never given consent and were asked to stop communication with anything revolving this account XXXX. They violated communication 15 U.S. Code 1692c - Communication in connection with debt collection. They and XXXX are in direct violation with the communication. It's willful misconduct and civil negligence. Stemming from ecmc holdings and or ecmc llc
Consumer complaint received 2024-05-31
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. (IL)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation (NE)

I was looking for a better options on my auto lone on no hard Inquiries companies and I did not authorized any hard inquires to ONEMAIN, ONEMAIN multi times gave me hard inquires without my permission and I tired to contact ONEMAIN and No contact information has been reported by this creditor. 
Please I demand to take this creditor inquires from my credit reports.
Consumer complaint received 2019-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Submitted dispute # XXXX to Equifax on XX/XX/XXXX regarding reporting of XXXX credit card account settled in XX/XX/XXXX. XXXX and Equifax failed to report the Date of First Delinquency / FCRA Compliance Date as required by law. 

As of today XXXX almost 2 months later ) the dispute is still shown as Pending when I check its status on the website ( screenshot attached to complaint ). 

XXXX The account is still reporting without displaying a Compliance Date. 
* I have never received the results of the dispute. 
XXXX Equifax has exceeded the 30-day maximum dispute time frame on this account. 
* I no longer have confidence that Equifax is conducting a competent review of its reporting on this matter.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (MI)

I recently obtained a copy of my Experian credit report online, for accuracy reasons, to discover that three negative items I had disputed two years ago have not been updated. I inquired on the website about this, and the notation only stated a bunch of par-legal jargon ' can not guarantee accuracy of report information ... ' whatever the heck that means. Upon attempting to re-dispute these 3 negative items, I received a web popup telling me invalid reason or response, please try again later. All 3 of these negative items are accounts that did not belong to me, or stopped billing me 2 or 3 years ago, with no letter or collections communication thereafter. 

I am at wits end on how to proceed further. Legal intervention is requested please.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-02-13
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. (MI)

I received a letter from XXXX advising they confirmed my XXXX through XXXX XXXX. That letter is attached. I also attached the section for XXXX from my XXXX XXXXXXXX REPORT and this information is not being furnished! XXXX has lied and fabricated information that is not correct after I disputed this account multiple times advising this account is incorrect and needs to be deleted. They have refused to delete this account, even sending a follow-up advising they received this information from XXXX XXXX which is not True!!! They are violating my rights and is not doing a thorough investigation. I have sent letters and also disputed over the phone with XXXX, XXXX, and Transunion and they all have refused to delete these accounts. 

These accounts need to be removed IMMEDIATELY! XXXX XXXX OR THE XXXX COURT IS NOT FURNISHING THIS INFORMATION ON MY CREDIT REPORT, SO HOW IS THIS ACCURATE? XXXX, TRANSUNION, AND XXXX IS VIOLATING MY RIGHTS BY FURNISHING INCORRECT INFORMATION ON MY CREDIT REPORT. ATTACHED IS A LETTER FROM THE XXXX XXXX 

Account name : XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-10
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: Experian Information Solutions Inc. (VA)

on XX/XX/2019 I sent in a request to Experian demanding that they show me proof of these account-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 2 XXXX XXXX accounts and XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, they have to either send me written verification of these accounts with my signature or remove these said accounts from my credit report. They have failed to do either. I then sent in a 2nd letter on XX/XX/2019, asking them to send me proof of these accounts, and they still have yet to send in written verification with my signature as per the FCRA. I am sending in another letter this Saturday, XX/XX/XXXX, to get the verification that they have failed to provide or have these accounts removed. Since they have not sent this proof as per the FCRA, I ask that they remove these accounts immediately
Consumer complaint received 2024-07-16
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: AMERICAN EXPRESS COMPANY (CA)

Items were purchased on a business American Express credit card that were never delivered. I am the XXXX  for the credit card holder, XXXX XXXX XXXX XXXX The original charge was on XX/XX/XXXX for {$70000.00}. The vendor for the purchase was XXXX XXXX XXXX which subsequent to the purchase filed for XXXX  XXXX bankruptcy. The anticipated deleiver date of the items purchase was XX/XX/XXXX. In XX/XX/XXXX we learned that XXXX was having financial difficulties. We asked that the item we purchased be delivered. In XX/XX/XXXX we disputed the original charge with American Express. They began an investigation of the issue. After several months, on XX/XX/XXXX during a phone conversation with XXXX ( AMEX employee ID number XXXX ), a customer service supervisor, I was informed that AMEX would not be crediting our account for the amount, claiming that XXXX provided information that the items had been delivered. I have requested the documentation AMEX says that XXXX provided the information but have not received it.