davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLAZA HOME MORTGAGE, INC. (NC)

Since XX/XX/XXXX, Ive received 7 letters regarding required hazard insurance. The company has been responding to email inquires spanning over 6-months without resolution. This has caused me extreme mental anguish. The most recent letter dated XX/XX/XXXX. My original mortgage did not require additional coverage. My loan closed in XXXX, then a year later in XXXX, this company is mandating coverage. NC does not require wind/hail insurance.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-08-13
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 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies : XX/XX/2022 ( Transunion CRA ) XXXX : {$3900.00} XX/XX/2022 ( XXXX CRA ) XXXX : {$4600.00} XX/XX/2022 ( XXXX CRA ) XXXX : {$7800.00} For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding inaccurate information listed on my credit report, which has led to significant harm to my credit score and financial standing. Pursuant to the provisions outlined in 15 USC 1681 b 2, 15 U.S. Code 6802, and 18 USC 8, I am seeking redress under the Fair Credit Reporting Act ( FCRA ), specifically codified in 15 U.S.C. 1681 et seq.

The inaccurate information on my credit report pertains to closed accounts previously removed from credit reports, Incorrect credit score, and added collection from unknown collector whom I do not owe. Despite my attempts to rectify these errors through this credit reporting agency, the erroneous information persists, adversely affecting my ability to access credit and financial services. 

As per the FCRA, consumers like me have the right to accurate and up-to-date credit reporting, and any inaccuracies must be promptly investigated and corrected by the credit reporting agencies. However, despite my efforts to dispute these inaccuracies, this reporting agency have failed to comply with their obligations under the law, thereby causing ongoing harm to my financial well-being. 

Furthermore, the persistence of these inaccuracies violates my rights under 15 U.S. Code 6802, which stipulates obligations with respect to disclosures of personal information, and 18 U.S. Code 8, defining the obligations or other securities of the United State.

In light of the foregoing, I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the matter and take appropriate action against the credit reporting agency responsible for these inaccuracies. I also request that all erroneous information be promptly removed from my credit report and that I be provided with a corrected copy of my credit report at no cost. 

PLEASE REMOVE THE FOLLOWING ITEM IMMEDIATELY XXXX XXXX. 
{$240.00} Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that consumers like me are protected from the adverse effects of inaccurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/year>, I received a summons from XXXX XXXX XXXX, informing that I was scheduled to appear in court on XX/XX/year> at XXXX to answer to debt that is owed to their company XXXXXXXX XXXX XXXX XXXX debt Collections Innovations for {$2300.00}. I met with XXXX XXXX regarding the alleged amount owed to the company. She refused to provide a copy of original credit agreement allegedly signed by me and the purchase agreement given her and her employers the right to collect on said XXXX XXXX XXXX reply is we do not have to provide that information to you. Are you ready to pay the debt now. I stated no I can not afford to pay a debt. I need the requested verification of purchase agreement and copy of the original credit agreement. XXXX XXXX denied request again and stated that she was resetting my court date for XX/XX/year> at XXXX and letter of reset date received via mail at my legal residence.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Someone used my card without my remission and unbeknownst to me for quite some time, to place a bet on a website XXXX. I have several accounts and larger deposits and withdrawals happen quite frequently in this particular account so {$500.00} was not so large an amount I even noticed it missing. However, there were several of these charges I had no knowledge of, and one of the charges actually bounced and Im not sure exactly what happened. The money was evidently owed to XXXX and somehow they couldnt retrieve the funds from my account ( thank god ) so I received a letter - only one letter and this letter wasnt from capital one or XXXX XXXX it was from a collection agency ) and called to inquire on what the heck they were talking about. The letter said I owed {$500.00} plus due to XXXX. I immediately called capital one and disputed the charge and found the others. I closed the account immediately. I also called XXXX and explained what happened. They sent a form about it being fraud I completed the form and sent back to them and WITHIN ONE WEEK I WAS CLEARED OF ANY RESPONSIBILITY. THEIR INVESTIGATION FOUND ME NOT AT FAULT AND THEY CONSIDERED THE MATTER CLOSED AND RESOLVED. 
Well.the next week I get notice from capital one ( in the form of them withdrawing {$500.00} from my new account without notice or anything in writing ) to cover the dispute which I had done. It they reversed and said I still owed the money. What in the world! So.I sent them the paperwork from XXXX two different times. Yet this is still unresolved. Ive called 6 times and each time on the phone for over an hour and everyone understands and says Im being transferred to the correct department ( Ive been transferred me over 13 times during one call because they were confused between capital one credit and bank ) theyre resubmitting the dispute and I should win once the info is reviewed. Well my question is how long is this supposed to take. They have my money the whole time. I furnish them the paperwork showing that I was not at fault. I am not responsible Im not held at fault. I sent it to them. XXXX sent it to them, so Im not sure why I have not been cleared of all fault the funds been returned to me, and that account closed. Ive called way too many times and I have been lied to no one seems to be able to know how to actually get this taken care of. Its as if the company is too big for its own good and its unfair to me the customer who is out {$500.00} while they conduct an investigation that isnt even necessary being that I supplied the paperwork from their company that they hired showing Im not at fault.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX  disclosed my personal information to nonaffiliated third parties including Experian, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
Consumer complaint received 2024-05-13
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)

This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-13
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. (FL)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 2023-02-25
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: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.
Consumer complaint received 2024-05-13
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (IL)

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 2024-05-13
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)

I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. I insist that you immediately remove these fraudulent accounts from my credit report and provide written confirmation of its removal. Failure to do so will result in further action being taken against your bureau for negligence and misconduct. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX. XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (SD)

This isn't a complaint about a bank, I received an e-mail that said it was from Truist Bank saying my account was going to be locked unless I logged and verified through the provided link. I didn't clink the link because I knew it was a scam, I don't have a Truist account nor have I every had one. I honestly didn't even know it was a bank until I looked into it. The address that sent me the e-mail was XXXX I'm not sure what can be done, but I figured I would bring it to attention.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I refinanced my home with Wells Fargo. In XX/XX/XXXX, they sent me a check for {$860.00} stating that a recent review had determined that my loan was in excess of their internal pricing guidelines. I spent the next month making phone calls and even visiting a branch office to try to determine what caused the error. I was finally told to write a letter, which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter stating what I'd already been told several times - " my loan was in excess of their pricing guidelines and their pricing guidelines are proprietary. '' It also stated that the interest rate, XXXX and fees in my closing documents were accurate. Does that mean my loan amount is wrong? Am I paying interest on the wrong amount? I imediately called their customer service and was told my case had been closed. I asked them to open a new case ( # XXXX ) and stated that I wanted an explanation for how the {$860.00} was calculated. To date I have had no reply. 

Thank you
Consumer complaint received 2023-10-05
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

I have no legal binding contract with Columbia Debt Recovery. They are harrasing me for money I do not owe to them. They are sending me a contract that do not have my wet signature and it do not states I owe any money to Columbia Debt Recovery. They are furnishing data on my consumer reporting stating I owe THEM ( Columbia Debt Recovery ) XXXX.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was looking at my credit when I noticed a Capital One credit card opened XXXXXXXX XXXX XXXX  on if and I have never owned this Credit Card. I am a victim of Identity Theft and this has resulted in harm to my credit and has made it hard for me to apply for my own credit cards