davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

In XX/XX/XXXX my credit union called Capital One Credit Card company for a payoff balance ( to include pending interest through the active billing cycle ). A check was issued to the Capital One Credit card company with a letter requesting immediate closure of the account upon receipt. The payment & letter were received on XX/XX/XXXX per Capital One 's representative ( noted on call placed XX/XX/XXXX ). The company did not process the check or close the account before the active billing cycle ended ( on XX/XX/XXXX ), instead they chose to let the account remain open through an additional billing cycle, proceeded to charge my account another cycle of interest on the balance ( while the payoff check was in their possession ). I had assumed the account had been paid off and was closed as requested. I opened my online account on XX/XX/XXXX to verify my account had been closed and had a XXXX balance. I was shockingly surprised to find an additional {$80.00} interest charge and to top it off, a {$29.00} late fee!! I called the Capital One credit card service line to request the balance be waived after explaining the above circumstances. The representative informed me as did her supervisor that since the account was closed there was nothing they could do to waive either charge. I find the fact that they withheld processing on my payoff to incur additional interest charges an exceptionally fraudulent practice. I am now facing additional fees and possible collections and credit score tarnish if I do not pay these fraudulent charges. This is absolutely unacceptable, but I am left without recourse as my credit score is being held XXXX by these XXXX  business practices. If the Capital One credit card company had a shred of integrity, they would waive these additional fees and cease any additional activity on my account.
Consumer complaint received 2024-05-20
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. (MO)

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-05
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: CarMax, Inc. (LA)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-20
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. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. Please have this account removed completely from my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My loan was purchased by Nationstar Mortgage LLC and they later stated that they did not have my home insurance escrowed as it was with the previous lender, XXXX XXXX XXXX. I had to pay my home insurance out-of-pocket. 
They took over a year to tell me that my escrow balance was deficient. 
My servicer agent told me he would call me back and let me know if I was eligible for assistance under any of the government programs ( ie. HAMP ) and did not. Next thing I received was a letter from their attorneys saying my loan was referred for foreclosure.
Consumer complaint received 2024-05-19
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. (TN)

XXXXAccount XXXX XXXX XXXX XXXX  Account # XXXX VIOLATESMY RIGTHTOPRIVACY..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 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 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX of XXXX I filed a complaint with the XXXX. I also filed an identity theft report affidavit with the XXXX XXXX XXXX. And my complaint I added attachments of this affidavit and proof of incarceration capital one says that they didnt receive, the proof of incarceration from The XXXX  Complaint. They responded shortly after the complaint through the XXXX  Saying that the complaint was still being investigated and at the same time sent me a letter through the mail On XX/XX/XXXX saying they didnt find any fraud and investigation. Then in XXXX, they sent another response through the XXXX saying the complaint was still being investigated. So I contacted them regarding this confusion and they inform me that they didnt receive my proof incarceration that I had attached to my previous complaint. So I asked them for a way to fax them this proof of XXXX  on XX/XX/XXXX and I did so the same day along with another copy of my identity theft affidavit I contacted capital one again because I didnt receive any verification that they received my fax, and during this Call capital one inform me that XXXX of These Fraudulent accounts were sold to a collection company, XX/XX/XXXX. I asked him why it wasnt in the credit reports with XXXX XXXX and XXXX XXXX? They didnt have an answer for me. I asked him why it wasnt reported to the credit bureaus that they sold this fraud count under my name in XX/XX/XXXX they didnt have an answer for me. I asked him why this frozen account that was sold in XX/XX/XXXX wasnt reported to the XXXX  And they still didnt have an answer for me XXXX being violated, and my information is not only Being used in a fraudulent manner, but also being reported incorrectly and I want these accounts deleted immediately and if not, Im going to take legal action. Thank you.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter as a natural person to request the removal of a XXXX late payment from my consumer reports or the deletion of the account from XXXX XXXX XXXX XXXX accordance with my rights under 15 U.S. Code 1681a. 

On XX/XX/2024, I traded in a vehicle at a car dealership. However, unbeknownst to me, the dealership failed to pay off the trade-in at that time. As a result, there was a reported 30-day late payment on my credit report. I would like to emphasize that this late payment was not a result of my failure to make a payment on time, but rather a consequence of the dealership 's failure to fulfill their obligations.

I have diligently worked to maintain a good credit rating and have since paid off my account with XXXX XXXX in full. It is unfair and unjust for my credit rating to suffer due to circumstances beyond my control. I believe that it is the responsibility of data furnishers, such as XXXX XXXX, to accurately report information that reflects the consumer 's creditworthiness. 

I kindly request that the XXXX late payment be removed from my credit reports or that the account with XXXX XXXX be deleted to rectify this inaccurate reporting. I appreciate your attention to this matter and thank you for your assistance in resolving this issue.
Consumer complaint received 2024-05-19
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. (CA)

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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Ive sent XXXX Rounds of disputes to all three reporting agencies. 

First set sent on XX/XX/2024. XXXX sent on XX/XX/2024. 

Both to no avail. Now i am seeking monetary compensation per 15 U.S.C. 1681n Civil Liability For Non Compliance. 

As well as removal of all inaccurate, closed, or charged off accounts. 

There are companies on my report that Ive never done any business with, and thats a violation of my consumer rights also.
Consumer complaint received 2024-05-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (FL)

Im not liable with XXXX XXXX XXXX XXXX XXXX  do not have contact with XXXX XXXX XXXX they did not provide me with the original contract as i requested. XXXX XXXX XXXX XXXX accountXXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute the collection account referenced above, which is currently reported on my credit report. This account contains inaccurate information that needs to be addressed promptly.

1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$440.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request. 

Here are the specifics of the disputed information : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Balance : {$440.00} High Credit : {$440.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements ; Customer disputed account - reported by subscriber ; Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.
Consumer complaint received 2024-05-19
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. (TX)

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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Federal Trade Commission and the Consumer Financial Protection Bureau ( CFPB ) obtained a settlement that will require credit reporting agency Trans Union LLC and a subsidiary to pay a total of {$15.00} XXXX to settle charges they failed to ensure the accuracy of tenant screening reports by including inaccurate and incomplete eviction records about consumers, hampering their ability to obtain housing. 

Yet, Trans Union continues to be in business with power to dictate who gets the " XXXX XXXX ''. In order to obtain knowledge of my credit score, I need to pay a fee. Statistically, under the XXXX XXXX, it is a known inflation that is hurting Americans, especially XXXX Americans, yet, we have to solely rely on credit reporting agencies such as Trans Union to give us fair credit reporting for a fee.
Consumer complaint received 2024-05-19
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. (NY)

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 it is my understanding that you will investigate these item for me to ensure accuracy HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : I AM NOT LIABLE FOR THIS DEBT WITH : 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  THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION IT LIKE ASKED IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506 TITLE VI SECTION 611, PLEASE PROVIDE THE NAME AND BUSINESS ADRESS OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTE YOU THANKS
Consumer complaint received 2024-05-19
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. (OH)

I have been trying to apply for credit cards, buy a house & also get me a new vehicle but i noticed it was damages on my credit report. According to the credit report 15 USC 1681 law there should not be any damages on my credit report its a declaration to my character.