davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (NJ)

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 : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} has violated my rights. 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. ()

I transferred a balance from another institution to my  PNC  credit card. I understood the balance transfer fee disclosed of {$5.00} or 3 % of the amount. I have been making payments to the card on time and well over the minimum payment due. The only balance on this credit card was the transferred balance with no purchases. However on  X/XX/2017   , I made a purchase at  XXXX  's for {$4.00} since I could not find my debit card. I knew that I would just pay this purchase off on the next billing cycle. My statement ended  XXXX  and noticed that they charged {$1.00} for minimum interest charge. When I called  PNC to  dispute this charge, the representative impolitely informed me that when you have a balance transfer on the card you " lose the time '' of interest deferring on purchases made. The  PNC  representative said that his system would not refund the fee charged. Calculating the fee charge, that is 900 % charged on a {$4.00} purchase for 6 days. I have also review the disclosures and was not able to find caveat the rep was claiming.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-11
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. (CO)

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these hard inquiries or your agency is violating the FCRA 's block of information section, 15 USC 1681c-2 which states these referenced items must be deleted within XXXX business days of your receipt of my identity theft report, this is my second time submitting this report failure to remove these unauthorized inquiries could result in further action on my part to protect my credit and legal rights.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within XXXXhirty ( 30 ) days. XXXX XXXX XXXX.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Per the attached document from XXXX confirming that they have REMOVED the bankruptcies from their file because they could no longer verify the information as accurate. 

Therefore, please update your files accordingly. 

Regards, XXXX XXXX SS # XXXX XXXX
Consumer complaint received 2023-11-20
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-11-20
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$350.00} 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 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023.

The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. Under Rhode Island law, when your contractual obligation to a residence ends the bills become the responsibility of the home owner. Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my mid XXXX 's with XXXX children and a mother to provide for and I'm still being punished for mistakes I made in my early XXXX 's. I have paid for many accounts to be deleted. I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. 

Thank you kindly for reading.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a pre-approval with Chase. The loan officer 's name is XXXX XXXX, XXXX # XXXX. He asked for my gross income, and wanted my W-2. I explained that my gross income is actually higher than what my W-2 shows . I even provided proof of this by submitting an annual paystub that shows the correct gross income. Even after providing proof of accurate gross income, XXXX XXXX proceeded to use the wrong amount, which was significantly lower. He ended up using box 5 of my W-2, for 2022, which shows {$70000.00}. However, Box 12 should also be included, since those amounts are for employee sponsored health care plans. Including box 12 my gross income would be more than {$85000.00}. This would surely affect my loan terms by a significant amount. 

I attempted to politely discuss this with him on the phone, but XXXX was very condescending to me. Not only did he use the wrong gross income, he also ran the pre-approval for down payment of only 15 %, even though I requested 20 %. When I brought this up to him, he condescendingly asked me " can you even afford 20 % ''? This was extremely shocking to hear, especially since I had already submitted all my financials, including my wife 's financials. 

I also wanted to know what credit scoring model they were using to determine my mortgage worthiness, but he condescendingly argued to me that there is only one score. I know for a fact this is wrong, and politely tried to discuss this with him, but he insisted I knew nothing about credit scores. 

XXXX XXXX even had the nerve to file a complaint against me to his own manager, for dropping an XXXX XXXX. The XXXX XXXX was in response to the question when he asked " can you even afford it ''. To which I replied, " you should know this, I just gave you all my XXXX financials ''. That's when I hung on him, and wrote a complaint to his manager, but his manager never responded.

The tone in which he communicated with me on the phone showed clear disdain for me. The fact that he used wrong numbers for my pre-approval, and the condescending tone in which he spoke with me, exhibits clear intent to discriminate against me. I complained to his manager, and tried asking for a revised pre-approval letter, but they are ignoring me now. 

I am attaching proof of conversation in which XXXX admits to using the wrong gross income and wrong down payment amount, including my W-2 and annual paystub that shows my correct gross income. 

What recourses do I have at this point? 

Regards, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. On XX/XX/XXXX my Wells Fargo Bank called me, and stated that my bank account had been used by an unauthorized malicious hacker from XXXX. On that same day I had received voicemail calls from XXXX. My XXXX XXXX was stolen and another malicious hacker from the USA began steeling from my checking and credit card accounts from XX/XX/XXXX to XX/XX/XXXX. They stole XXXX  XXXX dollars from me! I had the same banking checking account since XXXX. I have never had this problem until the first week of XXXX of XXXX. Wells Fargo has denied my claims. This is why I am reporting with your company, so I can receive help!
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : MERCEDES BENZ FINANCIA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
MERCEDES BENZ FINANCIA XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (TX)

I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

Thank you
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank closed my personal business account back in XX/XX/2021 because I had cashed business checks into the account and I didnt know this was allowed. It was closed without noticed and when I called I was told to get in contact with their demarketing department. I Left numerous XXXX with that department the first type months and did not get a call back. I finally visited a branch to see why TD closed my account. After a few days, the banker working with me was finally able to tell me it was because of the checks. He later told me that the funds would be released if I could prove the business was in fact mine. I wasnt able to provide the paper work right away. But I did eventually. Submitted my articles of corporation to TD to release the funds. I still havent heard back from their demarketing department and no banker at the branch is able to help me or get a hold of them either.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXXXXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Filed a dispute with TransUnion on XX/XX/2018. As of XX/XX/2018, dispute still under investigation. Contacted TransUnion on XX/XX/2018 regarding matter at phone XXXX. The rep. ( name unknown ) indicated that he would initiate a new dispute. No activity on the TransUnion website to indicate a dispute was initiated. Address for TransUnion is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I monitor my credit scores through XXXX XXXX & XXXX XXXX. The collection was paid in full to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX on XX/XX/2018. XXXX  has acknowledged the acct. paid in full per XXXX XXXX. 

XXXX XXXX messaged indicating acct. paid in full on XX/XX/2018.  XXXX XXXX XXXX has since reported account delinquent to TransUnion on XX/XX/2018.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX Bank. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXXXXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

i never have a XXXX XXXX XXXX credit card in XX/XX/2010 XXXX XXXX XXXX put a collection on my credit bureau file i disputed it and they could not prove that the debt was mine so they remove it from my credit file now XXXX XXXX XXXX  put back the same debt on my credit bureau file i try to let XXXX XXXX XXXX  know that i never own any XXXX XXXX XXXX card but they reply that they bought the debt from XXXX XXXX XXXX and they are not going to remove it from my credit file i ask them for a contract or any papers that i sign up for a credit card with XXXX XXXX XXXX and they could not provided it so please asking CFPB to get XXXX XXXX to show some prove that i owe this debt of {$1000.00} if not please remove it from my credit file thanks very XXXX XXXX address XXXX XXXX XXXX XXXX mnXXXX
Consumer complaint received 2024-04-05
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. (NC)

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor Transunion is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.