davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-08-03
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 (FL)

A few months ago, I examined my credit report and discovered inaccuracies regarding the XXXX XXXX  account ( XXXX ). This is a breach of my rights. I disputed these errors directly with the three credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MA)

I XXXX  college in XXXX but received my first statement from XXXX in XX/XX/XXXX regarding my XXXX loan. They sent it to my parents address saying I owe {$3000.00}. The next week they claimed I missed a payment so my loan was now {$5000.00} with interest, one week later! They also tried to charge me late fees for every month going back to XXXX even though they had never billed me until XXXX. I can not get them to remove some of the fees, and when I made up 3 months worth of payments, they applied NONE of my money to principal but instead it all went to their made up fees. I can not get ahold of anyone at the company who can help me.
Consumer complaint received 2024-05-18
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. (OH)

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  XXXX ( original creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NH)

On XX/XX/year> I received a notification on or around XXXX that I had a new credit pull from XXXX XXXX I was watching TV with my girlfriend at the time. I got on my computer and saw the pull was from Barclays. I called their fraud and informed them I did not open that card, I did not give consent to a credit pull, and I do not approve any transactions ; they told me the card was closed and it would all be refunded as their automated system flagged the card for a specific travel company as fraud ( JetBlue ). I was also told the flights where cancelled in another persons name with the same last name. I informed them I know no one by that name even in my extended family or otherwise. They assured me it was all set. On XX/XX/year> I received an email that my bill was due so I called on or about that day. When I called they told me it was found not to be fraud and the case was never opened. I opened the case that I was told was previously opened on the day the card was opened. They said they see in their records I called within an hour of it being opened but that it wasn't fully put through. I have called on or about every twenty-five to thirty days since then and each time they have said it was denied and all they could do is reopen the case for " a new set of eyes ''. Over {$4000.00} has been charged to the card within that first hour on that first day between it being opened fraudulently and me calling to say it was fraud. They are saying I owe that money. I just got off the phone with them just now on XX/XX/year> and they said they will reopen the case for a third time. This should be the fourth but they never opened one on that first day. I did not open this card. I called within an hour of it being opened to contest. I have been told time and time again it would be resolved but they have failed to-do so.
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> i filled out my ftc report ( see attached ) and sent to Transunion and letting them know that I am a victim of identity theft, and the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

On XX/XX/year> i received what seemed to be auto generated online response from transunion not following FCRA 's laws regarding protecting victims of identity theft. 

" Each company that received your credit report will be listed in the inquiry section of your TransUnion personal credit report, along with their contact information. Please note, a company doesn't always need your authorization to receive your credit report as long as they have a permissible purpose. Please also note, some types of inquiries, such as promotional inquiries or account review inquiries are disclosed only to you. 
If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact TransUnion requesting removal of the inquiry. If you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. 
We're here to help. Should you have any further questions please visit Credit Scores, Credit Reports & Credit Check | TransUnion. You may also call us at XXXX. Please have your file number ready XXXX. 
Please do not reply to this e-mail. This mailbox is not monitored and vou will not receive a response. ''
Consumer complaint received 2023-06-16
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. (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 2024-05-18
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 in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

TRANSUNION : XXXX ACCOUNT : XXXX. XX/XX/2022 Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I was predatory serviced against, predatory lended against and uncovered money laundering, bank fraud, mortgage fraud. Bank servicers I uncovered later had falsified information on where down payment on property came from. Not from a FHA gift letter. As they said in paperwork on closing. Came from a mortgage loan on another property not connected and funds were then wire transferred from bank to bank and coming back into same bank it originated from. This originated in XXXX to XXXX. When XXXX was going thru a bank acquisition of XXXX XXXX XXXX. And used XXXX XXXX XXXX   papers during purchase. The bank got mortgage back securities from XXXX XXXX and XXXX XXXX as collateral on a falsified note. Title company records from XXXX XXXX XXXX XXXX has loan paperwork. County records can prove that other things took place. Lien deeds put on said property by perpetrator of fruad involvement prior to being hired at bank as a mortgage servicer. And another hired that was family related also involved in the fraud and mortgage predatory servicing.
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I attempted to cancel an automatic payment, but soon after another payment was taken, and the attempted cancellation did not go through their system. I asked the company to return the overpayment, and they stated that it would take XXXX days. It took XXXX months. During that time, I had {$1000.00} of bank charges for bounced transactions from my other bills that automatically were deducted from my account. This all occurred before I realized that they took the XXXX payment. They state that they did hear the recording of me asking their representative for the return of funds. They have not accepted responsibility for the bounced check fees. I requested that they add a letter to my credit report, which has been significantly affected secondary to the missed payments, which they have not done. I will file a XXXX complaint about another company that was complicent in my credit score as a result of this event.
Consumer complaint received 2024-05-18
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. (MN)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-08-11
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 (AR)

XX/XX/2024 amount XXXX, XXXX. XXXX returned then used again to transfer money to account not mine for XXXX, XXXX and then XXXX. Still no return money or replacement card. XXXX American express serve. I have called XXXX several times and I get the run around from people with XXXX accents who do not understand me and sometimes I do not understand them. Emailed several times got answer back once now no answers to emails.
Consumer complaint received 2024-07-22
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (NJ)

he items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (TX)

I am writing to formally address issues regarding the unauthorized use of my information by the XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. According to 15 U.S. Code 1681b ( b ) ( XXXX ), consumer reporting agencies are required to obtain written consent before acquiring a consumer 's information. I have never provided such consent to any of these companies, including XXXX, XXXX XXXX, and XXXX XXXX. 

I have requested a signature page with my signature to verify the debt attributed to me, but my request has been denied. Furthermore, I have not given permission to run my credit. Pursuant to 15 U.S. Code 1681n, any consumer reporting agency or furnisher of information that fails to comply with the provisions of this section may be liable for civil damages due to willful noncompliance. 

Despite my efforts, these entities continue to use my identity, even after I have sent cease and desist letters. My correspondence specifically requested that XXXX XXXX cease all communication with me, in accordance with the law 's definition of communication as the conveyance of information through any medium. 

My credit report is private data, and inquiries made by third parties without my authorization are violations. I was advised to submit a complaint to the reporting agency to have these inquiries removed. However, Equifax refused to assist without a formal report and did not provide an alternative method for submission or uploading the document online. 

Moreover, the companies involved have refused to explain their debt verification process. From my understanding, they merely rely on my historical activity without proper verification. 

I seek immediate resolution to these matters and expect the unauthorized use of my personal information to cease forthwith.
Consumer complaint received 2024-05-18
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)

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX ACCT # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXXDespite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.

I have not supplied proof under the doctrine of estoppel by silence, Engelhadrt V. Graves ( MO ) 281 SW 715.719 I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (CA)

I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed