davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (MI)

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 Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX 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 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a text message from Capital One at XXXX in the morning of XX/XX/2023 alerting me to a charge they thought was a fraud charge on my card, they asked if I had just tried to make a purchase on my card at XXXX in the amount of {$1300.00} and asked me to reply Yes or No to protect my account. When I woke up at XXXX I immediately replied with No, I received a reply that we will take care of this right now and I then proceeded to call the number on my card and report the fraud and cancel my card. I was told I am not responsible for fraud charges and not to worry and the charge was removed from my account. Today XX/XX/2023, I received two online letters from Capital One which I have uploaded to this complaint. I immediately called the number on the letter and was told that I was responsible for the charges and there was nothing they can do, it is the law. They said the person who ordered the laptop gave my name and address and they picked up this order later in the day and gave ID that verified it was me. 
for this reason, they held me responsible for the purchase. I said I am not surprised the person had my name and address and obviously a fake ID, as they already had stolen my card information so it was not a surprise, they had this other information and how could they make this judgment based on this information. I said I was discussed with their decision, and I was told there is nothing they can do, and I will be responsible for this charge. I made the point that last year I spent {$480000.00} on this card and this is the way I am treated. 
I honestly believed that the consumer had 0 responsibility in a fraud case and the fact that Capital one initially alerted me to this fraud how can I be responsible. I contacted them immediately I woke up and read their text and cancelled the card and now they are holding me responsible Soley because the person who collected the order had an ID. This must happen all this time in fraud cases. I want to appeal this situation but was told there is nothing they can do. I am absolutely discussed with this decision and do not know what recourse to take. I refuse to pay for this charge that is not mine and fraudulent. I do not know what else I could have done to prevent this.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am a victim of identity theft. The information listed 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 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( Agent/ Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-03-13
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)

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

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 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 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 or 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 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

I currently am a freshman attending XXXX XXXX XXXX and I work full time. On XX/XX/24 I was alarmed to see my wages and XXXX XXXX were withdrawn from my college checking account with PNC Bank. I contacted the bank and was told my account was being offset/levied. I was devastated. 

I told my parents and my Dad flew here from XXXX XXXX XXXX to speak in person with the XXXX XXXX XXXX. A fraud investigation was initiated and there were found fraudulent activity on a separate account my parents held jointly for me while I was a minor. 

Now PNC Bank is sending some payments back for these fraudulent charges to close the compromised account. But its been over XXXX months and I havent been made whole and the sole personal college checking I opened with PNC is now closed. 

I feel like I have been robbed. What rights and protections do I have here? And, is it even legal for PNC bank to take my XXXX XXXX and wages without any notice? 

Respectfully, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (MD)

To Whom It May Concern : I am writing today to request the XXXX XXXX Guess Rewards Points sign-up bonus, after having made {$1000.00} in purchases. 

Despite being approved for my card in XX/XX/XXXX, I did not receive my card until XXXX XXXX days after the first 3 billing cycle window for the sign-up bonus. 

My card had been intercepted/stolen in the mail and despite reporting this to FNBO on XX/XX/XXXX, I did not receive a replacement card until XX/XX/XXXX, see attached. This even after having made multiple calls and getting different answers as to when or even if the replacement card had been mailed out. 

I do not feel that my sign-up bonus should be denied because it took FNBO over a month to send a replacement card.
Consumer complaint received 2018-11-17
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. (NJ)

I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX XXXX XXXX just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I am writing you today to dispute the inaccuracies reported on my consumer credit report. According to consumer law 15 USC 1681 e ( b ) every item on my consumer report must be 100 % accurate. This law was violated as I have several in accuracies on my report. My name is inaccurate, my birthdate is inaccurate, my home address is inaccurate and my employment is inaccurate.

In addition to this according to consumer law 15 USC 1681 ( i ) ( A ) I have a right to dispute the completeness/accurate information on my report. 

I would like these inaccuracies addressed and removed immediately please. 


Thank you
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I have tried several times to request Sierra Pacific Mortgage to update my tax lines and reach out directly to my tax assessor office as they did a corrected secure tax bill land not a supplemental. I have spoken directly to the tax assessor and advised me the bill that was sent out is the actual amount but they added taxes from XXXX. My analysis was perform in XX/XX/2019 and they increased my payment even with payments being made toward the escrow for shortage by {$300.00}. I have attempted to escalate the situation without anyone in the tax department or their escalations department to contact me directly to understand what I am speaking about. The tax department is being neglected and just basing information found on XXXX XXXX
Consumer complaint received 2020-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Hello, I pulled my credit report in hopes of getting ready to purchase another home ... When I seen my report I was quite confused at what I was viewing. The reporting from XXXX on my credit report appears to be totally incorrect with several errors in the reporting of this debt. I reached out to all XXXX Credit Bureaus as well as XXXX to ask if the account can be validated to ensure that in fact this account is reporting correctly on my credit report. At first XXXX ignored my request, I then sent a follow up letter in which they responded with some sort of statement of account which clearly did not rectify my issue with the reporting of this account on my credit report. As stated, I even reached out the the Credit Bureaus for help only to get a response that the account was reporting accurately ... How is this when I can spot several errors and Im not a professional in credit reports. 
**First off the account appears to be outdated going by the dates reporting **High Credit Reporting on a closed account **Date last active is not correct **Payment status reporting 120 days late on a closed account
Consumer complaint received 2022-08-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CT)

On XX/XX/2023 I received two letters from my mortgage company, Rocket Mortgage. The first letter ( attached ), " Lender Placed Activity Canceled Letter '' informed me that I had provided adequate proof of flood insurance for my garage. The second letter ( attached ), " Lender Placed Flood Gap First Letter '' informed me that my flood insurance on my garage was deficient by {$150000.00}. I currently have {$100000.00} of flood insurance on the garage and it has an assessed value of {$58000.00} per public record. In addition, my remaining principal for this property is {$77000.00}. When I contacted Rocket Mortgage - I had a 34 minute phone call - most of which was on hold. Ultimately, I was informed that a " specialist '' would be contacting me within the next 24 hours to resolve this issue. 

My insurance is no longer in escrow due to the incompetence of my previous mortage company ( see previous CFPB complaint ). In that instance, the mortgage broker was within 24 hours of letting my flood insurance laps. Now that my mortgage has been sold to Rocket, I have been subject to predatory practices with Rocket attempting to define my insurance as inadequate so they can sell me their own policy and make a profit at my expense. On a previous occassion, Rocket attempted to " upsell '' sell me more expensive homeowner 's insurance that I did not need. In this most recent instance as outlined above, that pattern continues. I have insurance that is more than adequate, yet Rocket continues to attempt to force me into purchasing their own insurance.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: eCon Credit LP (FL)

Incorrect amount of XXXX dollars is being requested for payment as noted by XXXX  for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, Nationwide Acceptance corp. is supplying incorrect data to XXXX  reporting agency.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX, I am a PayPal customer with email address XXXX I was using my PayPal account and PayPal requested for documents including my driver 's License, Bank statement and proof of address when my PayPal account was already verified.

PayPal restricted my account and said they would not remove the restrictions untill I submit the requested documents under the case Reference ID : XXXX I have then supplied PayPal with the information but my account restrictions has not still been removed.

I need this to be resolved by PayPal
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (GA)

On XX/XX/23 I closed/ payoff a business line of credit with PNC bank XXXX The Payoff Disclosure document contained " exhibit A payoff information ''. The charges were assed as follows : " Other fees '' {$170.00} ( with no description of fees?? ) & {$94.00} in late charges all of which were waived by the bank during the ~20year course of the line of credit. I initially spoke with PNC case manager on XXXX by the name of " XXXX XXXX '' for an explanation of the charges. During this date & all subsequent dates of contact with the case manger the same activity took place. I would be put on hold several times during the call while they claimed they were reviewing my account. On every single occasion she would come back to the phone and tell me they did not find any " exhibit that referred to my complaint & further investigation would be required. I was continually told someone would get back to me in a 48hrs of the contact, " which never happened ''. I spoke to XXXX XXXX on XX/XX/23 who indicated she would request copy of the " payoff letter '' and of course said she would get back to me, " which again it never happened '' I filed a complaint in a follow up PNC survey last week. & XXXX XXXX responded to the survey she would be contacting me soon ' to date I have heard nothing. In conclusion this matter is appalling and shows the shear incompetence of their inability to resolve simple issues. A case manger that can't retrieve a closing document from her own bank is pretty pathetic. PNC bank has no intention of providing a refund or a plausible explanation of these charges. As far as I'm concerned this is '' theft by taking ''.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX XXXX XXXX XXXX I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX XXXX Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX - XXXXXXXX XXXX, I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX XXXXXXXX, Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX