davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP (CA)

XXXX owns properties. We wanted to refinance XXXX. Property XXXX ( XXXX ) initiated the process with my bank ( US BANK ) whom I have a XXXX relationship with. Approximately XX/XX/year> I began correspondence with individuals at US BANK regarding refinancing XXXX of our buildings. All correspondence was done via email and their portal. Before initiating the entire process I asked if email correspondence would be sufficient due to my mother being elderly. I was assured this would not be a problem. If and when closing time arose we agreed, individuals would visit the house where mom lives, to close..sign docs ... etc. Over XXXX documents were submitted via their portalFast forward to the end of XX/XX/year>, we decided the rate they were presenting was not favorable. Refinancing into a higher rate was not going to happen. Owner said no. We pulled out of the refinance and decided not to continue. US BANK became aggressive and wanted to bypass me to talk to her. US BANK started calling and emailing daily. I inquired why? US BANK stated they just wanted to talk to her. All correspondence was relayed to the owner. Final conversation with US BANK person now heading the loan became impassioned. XXXX weeks later the SHERIFF visited our residence consecutive days investigating a criminal complaint regarding elderly abuse. Upon speaking with the owner they determined the the allegations had no merit. 
Someone at US BANK intentionally forwarded this attempted loan to XXXX XXXX XXXX citing Elderly Abuse. They never spoke with her to commence the loan and only called when we decided to back out. There are emails during the duration of the loan stating how we did not want to go through with the loan due to the high rates. I cooperated with every aspect of the loan they required. Mom does not communicate much over the phone but had no problem with them coming out upon closing if necessary. Which it would be necessary. I feel it was vindictive because we backed out. I have reached out to US BANK and they stated that there is no proof they were they ones who called. I did not attempt to refinance with anyone else. US BANK members filed a false police report. At no other time during the duration of the loan did they feel any elder was being abused until no monies was taken and the loan attempt was concluded.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hauge Associates, Inc. (NE)

I have a debt in collections with Hauge Associates , Inc for XXXX debt. I called XXXX to remit payment for my debt via XXXX cards. They informed me that there would be a {$20.00} card processing fee for both payments if I was not able to remit payment via a checking account draw. I complained, and they waived the fee for me. However, I firmly believe this is predatory in nature and they should not be able to charge a fee such as this to any people in debt. As a person with medical debt in collections, my ability to pay excess fees is non-existent. Please prevent this company from charging or threatening to charge a fee for recieving payments. 

There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-01-29
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)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (OR)

I do not owe this debt I have disputed it several times they have harassed me by calling after I told them I was dealing with XXXXXXXX XXXX  now a different debt collector is emailing and harassing me
Consumer complaint received 2023-09-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I reported on numerous occasions that i have infomration on my credit account. Fraudlent activity relating to accounts, Equifax now has confrimed that all of my personal infmation was involved in a big data breach and my personal infomation was compermised. ( social, bithday name etc.

I have requested to have items removed it is affecting my credit, they have not removed them off of my account.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (NY)

Dear M & T Bank, Your Brand Contacted me from XX/XX/year> to XXXX XXXX. Your agency rep called me names for being a XXXX XXXXXXXX individual like XXXX, passive aggressive comments about words like crazy and other comments about me going to XXXX. Why is m & T engaging in meal services that endorse animal abuse shouldn't your focus be salads, adhering to EEO standards and general acceptance with fair housing, I have not seen m & t care about those things and based on the persons interaction with XXXX XXXX and XXXX XXXX spending time to contact me and advertise housing status I hope you seek to correct your involvement with XXXX XXXX and M & T XXXX.
Consumer complaint received 2024-01-29
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)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX received all my demand-letters since 2018 along with my lawyer 's letters to fix their fraud and inaccurate information. I never validated the debt, however the bank illegally and without my consent, knowledge and permission validated the debt that was in dispute. See attached letter. Stop covering up this XXXX  bank and act in a good faith, unbiased and fair, not racially motivated. Your agency received in the past my complaint, however kept a blind eye over the XXXX  XXXX XXXX 's violations in my case. Be so kind to review alarming negative records of federal penalties against the XXXX  XXXX XXXX, that raises a red flag. All my communications with the Bank have been witnessed and video recorded. The Bank habitual liars promised several times to reverse their negative reporting and delet that from my credit reports. See attached is my lawyer 's letter. The Bank sent me a letter and I provided with a burden of proof.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, 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. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-01
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 recently looked at my credit report and saw some hard inquiries that did not have permissible purpose. 

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 These inquiries has no permissible purpose to be on my credit report. Please delete these inquiries due to violation 15 USC 1681b.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NV)

XX/XX/year> I requested to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor with a copy of the written agreement that created my original requirement to pay. A copy of the last billing statement sent to me by the original creditor. I also requested to state the amount of the debt when the collection agency obtained it, and when that was. 

This was sent on XX/XX/year> via mail. No response received.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am writing to file a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I submitted a dispute letter to TransUnion via USPS certified mail ( Tracking XXXX XXXXXXXX ), challenging the following items : XXXX XXXX XXXX XXXX - XXXX and XXXX  Reference # XXXX. Additionally, I disputed incorrect names listed on my credit report. To facilitate the verification of my identity, I included a copy of my photo ID, social security card, and a recent bill. 

Despite adhering to the FCRA 's dispute process, I received a response from TransUnion on XX/XX/2024, stating, " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response implies a refusal to conduct a reasonable reinvestigation, a direct violation of my consumer rights under the FCRA. Credit bureaus are obligated to conduct a thorough reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed. 

Enclosed, please find copies of my dispute letter, USPS certified mail proof of delivery, and TransUnions response, serving as evidence of my attempt to address inaccuracies on my credit report.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

I have a loan for a XXXX  XXXX XXXX I've been driving for over a year. For most of the time I've owned it, its been set on autopay, but that fell off after I switched cards ( pretty sure I was paying with XXXX XXXX, but it may have been a bank account ). I ended up being behind on payments because of the switched card and had to spend nearly an hour on the phone with them because the website wouldn't let me pay online. Now the same thing has happened again over a month later and the website still won't let me pay online, but requires me to sit on the phone for an hour to just make a payment, all the while a late fee has been assessed and they call me once or twice a day including on weekends and holidays. They also make it impossible to talk to a person and make you jump through hoops with computers on the phone.
Consumer complaint received 2024-01-29
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)

Per the FCRA, I XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a dispute with my bank regarding unauthorized charges back in XX/XX/2024 and ask the bank to restrict the vendor from attempting, the bank allowed the Vendor ( XXXX ) and other vendors to continue to charge my account after I requested them to restrict them going forward the bank advised they would no longer be available. The vendors continue to charge my account and the bank restricted my access to my direct deposit funds. I am unable to speak to a manager regarding this and they are saying it will take 90 days to receive my direct deposit funds from my employer. This is unacceptable.
Consumer complaint received 2024-01-29
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-04-25
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)

As a victim of identity theft, I have taken the necessary steps to protect my credit and financial information. Pursuant to 15 U.S.C. 1681c-2, I have submitted an identity theft report to the credit reporting agencies and requested that all fraudulent information and credit inquiries resulting from the identity theft be blocked from my consumer report. 
The Fair Credit Reporting Act prohibits credit reporting agencies from furnishing any information in my file that I have identified as resulting from identity theft. 
I am entitled to have this information removed, as it was obtained through unlawful means and does not accurately reflect my creditworthiness. The credit reporting agencies must comply with my request and ensure that my consumer report is free of any fraudulent activity stemming from the identity theft incident. 

My only address is : XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-29
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. (MN)

On XX/XX/2023 I requested TransUnion to remove an account from XXXX XXXX XXXX from my credit report as it was fraudulently opened and under a name that was not my mine. They refused and claimed the information was verified. However, I have my ID and birth certificate to prove that this account is not under my name so it does not even belong to me.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2024-01-29
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. (NJ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX