davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " 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 2024-05-24
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. (CA)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-07-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One XXXX credit card in XX/XX/year>. I paid annual fee of {$390.00} with perks come with the card. {$300.00} travel credits, lounge access, etc On XX/XX/year> at grocery shopping checkout line the payment was declined. 

My XXXX  card was closed I found out from Capital One. I asked why? I knew I personally did not close the card. The agent and the supervisor provided no reasons why. They had no ideas as to why. They both advised me reopening the card was not guaranteed and it might take XXXX days. 
I have set up quite few auto payments that linked to this card. Inconvenience was the lead I can say. 

My credit scores average XXXX. At time of closing date I had a good standing, no late fee with credit balance. I lost annual fee and XXXX points to say the least. 

Please help me. Thank you!
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-03-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GU)

My XXXX XXXX spouse and I purchased a home from family in XXXX XXXX. We were sadly over charged after a second, pricier appraisal. Also, our mortgage lender, XXXX XXXX XXXX XXXX, was seized and closed by the federal government. Bank of America assumed our mortgage. Since XXXX XXXX the insurances and taxes in our area have soared. Many homes around us did not rebuild and still are boarded up. Because of this we owe more than the home is worth. We XXXX XXXX to XXXX in XXXX XXXX. We have been lucky to have renters until now. We are having trouble finding tenants and/or selling the home without losing so much money. Could you please help me understand our options at this point. We lose money every month on this home and it is very stressful. Next month I will start paying house notes out of our own pocket if we can not find a tenant. We would love to sell the home. I attended a Roundtable event with XXXX XXXX XXXX last XXXX. I remember her mentioning a type of forgiveness if the home was a short sell due to military moves. Please advise.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX  Account # XXXX Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance : {$1800.00} Name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance {$160.00} Name : XXXX XXXX XXXX XXXXXXXX Account XXXX Date XXXX XXXX {$1700.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NE)

We bought an Incomm Vanilla Visa card on XX/XX/ from the XXXX XXXX XXXX. We added {$450.00} to it. Upon opening the wrapped paper made visa card, the adhesive material that held the financial information regarding the card to the card pulled off 2 digits from the card number, rendering the card unreadable and useless. XXXX would not replace the card and cancel the damaged card. I called Incomm Customer service who asked me to send required documents to their email address so they could investigate and replace my card. I was told this process could take 30 days.

I have kept very meticulous documentation regarding the times that I reached out to customer service for 2 months now, showing that they had me on hold for 30 minutes to over an hour on one occassion. 
I finally received the replacement card almost two months after I filed the complaint, and when I checked the balance on the card, the {$450.00} was missing. The balance was XXXX dollars and XXXX cents. I have a snapshot of the online transactions showing that customer service removed {$450.00}. But did not return it to my new card. 
Customer service has acknowledged that they made a mistake and told me to give them " 24 to 48 hours '' to return the money to my card, as they had " escalated '' my complaint, and I was told they would automatically deposit it onto the card. Now that was a week ago. They " escalated '' it twice this week and I have heard NOTHING from them. They have not called me, they have not emailed me nor texted me regarding this complaint since XX/XX/XXXX, when they contacted me to say that they were " missing a needed document '' Which had already been sent to them in the first initial email. However, I resent the whole entire email including all of the documents. 
I have discovered that there is another class action lawsuit regarding Incomm Vanilla Visa, for multiple complaints like this. The 2nd one in 3 years. This sounds too convenient and I feel this should all be investigated. I will not settle for a fraction of what we applied to this card. I want every dime back.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2023-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I sent them a letter on XX/XX/2022 requesting verification and received no response. I believe they don't have the legal right to collect this debt or own the debt. They also did not show me any information from whom they are collection from or any documents with my signature on them. They threaten potential legal action without offering to provide all required document. I believe they are trying to collect on unsubstantiated debt and collecting on debt without providing required documentation and disclosures to me. I also believe Portfolio Recovery Associates failed to properly investigate and resolve my dispute. They also reported it on my credit report and I want it fixed and removed. 

I have included the letters I sent them.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PR)

midland funding llc called my home repeatedly monday - sunday 7 -12 times a day i settled XXXX co. throuhg them which was unfair debt collecting for charged off over 4 years. they called my home sundays at XXXXnow they are sueing me for a original creditor XXXX bank for XXXX '' XXXX which i received a notice from XXXX suing XXXX for wrongdoings starting XX/XX/XXXX i had been part of a settlement XXXX did with my account concerning payment protection. i became XXXX with XXXX XXXX and got the notice XXXX gambling for wages too and lost XXXX dollars. i am sick from midland credit using abusive illegal collection tactics.the settlement offer was XXXX and i paid XXXX payments of XXXX then stopped i realized the account was charged off. i recieved notice XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-24
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 recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-24
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. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2016-06-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO (PR)

I purchased a house with a Veterans Administration ( VA ) loan. It was discovered that the house has an illegal septic tank that doesnt meet the minimum legal requirements. The house is located in XXXX XXXX, XXXX XXXX. XXXX XXXX law says that the septic tank should be located more than XXXX feet away from the house. [ unintelligible perhaps According to the lenders notice ], the appraiser agreed that it had to be inspected by the Department of Health for certification. It was not inspected and the closing on the loan took place anyway. I just got that inspection done, and the septic tank is not in compliance for the closing on the mortgage loan to have occurred. I stopped making payments, and the bank damaged my credit. The house cant be sold. What do I do?
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I the personal representative for the XXXX have sent numerous correspondence to EQUIFAX, XXXX, AND XXXX telling them who the XXXX is and why they shouldn't be displaying information to anybody about a Fictitious Entity. It all started in XXXX I even sent a authenticated Birth Certificate which displays a full faith and credit for this Entity. No reply and the Credit Reporting Agencies still want to display erroneous, false, incorrect, theft by deception information that the Credit Reporting agencies have on file and they know it is not the real living man or woman.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (IA)

I used the corporation SIGUE to send money to XXXX and the money was never available to get out The transaction date is XX/XX/23 at XXXX XXXX Amount of {$150.00} Transaction number XXXX Confirmation number XXXX Customer services does not answer, all I want is my refund
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (OH)

I SENT MONEY TO MY NEPHEW, HE NEVER GET THE MONEY, I CALLED SIGUE. THEY SAID THERE WAS A PROBLEM AND THEY WILL RETURN THE MONEY IN ABOUT A MONTH, I AM STILL WAITING. THEY ARE NOT ANSWERING THE OHONE.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personally identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number : XXXX. 
My social security number and date of birth, for privacy reasons. 
Additionally, please delete all information in the employer section, except for my current job at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

identity theft occurred in XX/XX/XXXX at this time I was ( and still am terminally ill ) and had a caregiver helping me who gained access to my personal information thus successfully opening credit card accounts, hacking my bank account to use my checking account to increase spending limits by making payments on these cards and fraudulently signing my name so they could charge more goods. I have sent notification to citicard explaining situation, not willing to work with me on /refuse to even consider that this is a identity theft issue. They have repeatedly harassed me with collection phone calls since XX/XX/XXXX and have harassed my elderly parents as well asking questions about my whereabouts. I have filed identity theft reports and contacted credit card bureaus about the situation. Still in process of trying to clear this up. It is a frustrating stressful situation. XXXX is more tolerable.
Consumer complaint received 2024-07-08
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. (OK)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-05-24
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. (WV)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.