davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : 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 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, and XXXX XXXX XX/XX/2021. Please REMOVE.
Consumer complaint received 2024-07-23
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. (SC)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I am a senior citizen living on a small, XXXX  income. I entrusted Fifth Third Bank with the little money I had but they failed me. After reviewing my XXXX bank statement, I noticed there was a significant decrease in my account balance. I knew something was wrong. I went to my local Fifth Third Bank branch questioning the bank statement. I discovered that unauthorized withdrawals totaling {$30000.00} had been made from my checking account. The large transactions had taken place over the course of several days starting XX/XX/XXXX XX/XX/year>, with {$10000.00} being issued in the form of a cashier 's check and another {$20000.00} being withdrawn in cash. 

To my surprise, Fifth Third Bank confirmed that they had copy of a Power of attorney, which I reviewed and confirmed the signature is not mine. I NEVER authorized this or seen the document before! With a forged falsified document an individual was able to take over my account with the help of Fifth Third Bank employees, no questions asked. This has caused me great financial harm. 

Fifth Third eventually blocked my account, and a new account was opened. I was provided copies of the withdrawal slips and transaction details for the cashiers check that were used after getting the run around. It all started to be overwhelming and extremely stressful. I was told that I had to get the documents from the XXXX, XXXX  branch because that is where the transactions occurred. I am too senior to be driving that distance not knowing where I am going. So, I had to wait until someone could take me, only to find out that was not true. I did not need to go to XXXX, XXXX! My local branch in XXXX, XXXX  has the same access as their XXXX, XXXX branch. It was if Fifth Third was not willing to help or care. I started to think the person who took my money had inside help and was trying to keep me from getting to the bottom of this. At this point, what has not happened is the money has not been put back into my bank account. I am the victim of all this. I just want to be made whole! A complaint has also been filed with the Secretary of State regarding the forged Power of Attorney. A police report was filed and I have sought legal counsel in an attempt to recover my assets from the fraudster but unfortunately, I can't afford legal services because Fifth Third gave my money away. 

The predicament I have been put in is just wrong and unjust on so many levels. I hold Fifth Third responsible as they did not safeguard my assets. Nor have proper procedures in place to prevent this from happening. I understand that at some point someone at the bank did become suspicious but even with suspicion the individual was allowed to steal my money. I am requesting Fifth Third do the right thing and credit me back the $ XXXX that was withdrawn from my account without my authorization.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Debt of {$1100.00} was paid in XX/XX/year> - debt is still being reported as of XX/XX/year>. 
I called to make payment for another balance owed and asked that I first receive the requested documents above, and the company declined me those documents. I asked for them to be sent via email and certified mail since I was supposed to receive them over 30 days ago. The manager I spoke with stated that he could not email or send those certified. He also stated that the company was not reporting the balance to the credit bureau any longer. Our credit was pulled today and showed they are still reporting negatively for the balance stated above. I then informed the company that I would not be paying the other balance until I had the requested documents.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-18
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. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-01
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

CAPITAL ONE XXXX, CAPITAL ONE XXXX
Consumer complaint received 2024-04-01
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. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from XXXX reporting or misunderstanding of my financial history.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

I was forced to report a fraudulent customer satisfaction cashier 's check to the Consumer Protection Division at the Mississippi Attorney General 's Office. I am currently awaiting response from XXXX website as instructed in previous communication with Wells Fargo who provided the cashier 's check signed by XXXX XXXX. 

I was ordered by XXXX XXXX XXXX XXXX to stop communicating with the bank and a supporting letter was sent from the XXXX Department who previously refused to fully examine my concerns about switching my savings account with a withdrawal regulation to a checking account with unlimited withdrawals. The change ultimately resulting more than {$14000.00} drawn from the XXXX XXXX Account set up with Wells Fargo to temporarily pay some medical expenses. 

Since I was ordered to cease communication with the bank I am requesting our state become involved in the mediation process. I would like to go on record and state I have not accepted the check as any form of settlement in the unauthorized account change and want this complaint to clearly state the efforts made to honor the cashier 's check were fruitless and still have not cleared the Wells Fargo account. 

I included two XXXX XXXX receipts showing attempts to honor cashier 's check after bank verification on the number printed on the front of the check.
Consumer complaint received 2023-11-15
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. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX  which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/year>, Citizens Bank sent me an Escrow Account Disclosure statement alerting me that my monthly escrow payment is going to increase to {$4400.00} ( more than triple what it should be ). In addition, due to the monthly increase we are also being charged a total of {$26000.00} to cover the escrow shortage. The home is a new build and the PIN is in process of being split by XXXX XXXX. The end of year escrow analysis done by the bank failed to account for this and I am now being asked to escrow more than what is supposed to be. As a result of this error, my monthly mortgage payment is increasing by over {$4000.00}. I had exhausted my savings and investments over the last eight months waiting for XXXX XXXX to divide the PIN. I am at the point where I can no longer afford this. They are asking me to escrow as if my yearly property taxes are {$51000.00} which is incorrect ; my yearly property taxes should be no more than {$16000.00}. I have spent several hours on the phone, over multiple separate occasions ( at least ten times ) in late 2023 trying to get them to freeze/undo the escrow increase. Each time I call, they give me a different timeline on when a resolution will be reached. I contacted Citizens bank every week to follow-up on this issue between XX/XX/year> to XX/XX/year>, but each time nothing changed and there was no resolution of this inaccurate estimated annual increase. Every time I call, I end up talking to someone in their tax or escrow department and they seem to be incapable of following through and doing what they say they will do in order to fix the situation. They are fully aware of the situation and have told me that this increase is not my fault ; they have acknowledged that the escrow amount they are now asking for is incorrect yet they can not fix it. All I need is for someone over there to change my monthly escrow payment back to {$1300.00}, the same one given to us with my closing documents. This situation is causing undue financial hardship to me and my family as I have exhausted all my investment and savings waiting for a resolution for eight months.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Original account opened with XXXX XXXX in 2018 Under my identity which was stolen from my locked vehicle. Now is with a collection company, Southwest Credit Systems which is trying to collect the fraudulent debt from me. {$1900.00}. I repeat this debt is not mine, never has been. This was the result of identity theft. I have filed dispute with XXXX and contacted Collector Southwest to attempt to resolve this matter.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-25
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. (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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I have submitted numerous qualified written request to XXXX XXXX, XXXX, and Nationstar. Only Nationstar has sent XXXX notice that they are researching. Our problem began this past XXXX XXXX when we entered into an agreement to sell our home since we are relocating. Upon getting the payoff we were floored to discover an additional {$50000.00} attached to our payoff!! We learned from Nationstar that this is a corporate advance for a modification with XXXX in XXXX. We never signed a modification with XXXX in XXXX!!!! Nor did they ever send us paperwork. Had they sent us paperwork we would have realized something was way wrong. We signed XXXX modification with XXXX in XXXX at our kitchen table!! XXXX was already XXXX at the time but XXXX failed to properly document. We did reach out to XXXX in XXXX but nothing was ever resolved. The next thing we knew we were with Nationstar. The false modification came when payoff was requested. Nationstar emailed the modification paperwork to us. This was NEVER signed by us. XXXX falsified, forged, or copy-pasted signatures!! XXXX XXXX refuses to respond to inquiries although they claim they will all back. XXXX flat out does out respond. And Nationstar just gives auto responses that they are working to resolve the issue.