davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
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
Consumer complaint received 2024-04-19
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. (FL)

Credit inquires that I did not authorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP (NV)

I have had this mortgage since XXXX and Key bank acquired the loan in approximately XXXX. XXXX years ago I informed my loan officer at the time, XXXX XXXX XXXX, that i wanted to pay the building off early because I wanted to retire. He told me I couldn't that I was not allowed to pay any extra payments. I sent a complaint to the commission of insurances and because of this XXXX XXXX and I came to an agreement that as long as I sent in the payment w/extra principle by the due date then the money would be applied. 
I have a new loan manager, XXXX XXXX XXXX ( XXXX XXXX is his supervisor ), and I told him I wanted a payoff letter. XXXX XXXX promised me the letter so that I could pay off my loan by XX/XX/XXXX. I spoke to him XX/XX/XXXX and she stated I would have the letter by the next day giving me enough time to pay. I didn't receive the payoff statement which is dated XX/XX/XXXX until that day and I had to leave for XXXX XXXX  directly after work on an aircraft to the XXXX. XXXX XXXX did this on purpose so that I wouldn't be able to pay my loan off. I didn't want to be late with my next payment so I paid that on XX/XX/XXXX online and requested another payoff statement. To this date XXXX XXXX has {$3900.00} on hold and not applied to my loan- it is sitting in my account unapplied - and today he had the audacity to tell me that he is holding it there because he said that is my XX/XX/XXXX payment. I gave him direct instruction to apply the money to the loan and to provide the new pay off quote. He provided me the same payoff quote and is telling me that on top of the unapplied money he is holding I still have to pay the same payoff amount. Additionally, he has added {$1500.00} to my bill and has stated that this is for the attorneys to reconvey the lien. The statement has a charge for {$250.00} to reconvey the lien as well. I have spoken to my attorney who is also a mortgage broker and he has looked at the statement. He said that it is Key Bank 's obligation/responsibility to reconvey the lien and cover the legal expense to process the release not mine. My attorney states this is Key Bank 's efforts to try to make me pay a prepayment penalty which is not part of the agreement. Please help these banker are knowingly committing an assault on me to defraud me of money they are angry I've paid for the loan early. They are bullies whose strategies have caused me to want to get rid of them as soon as possible. I have today wired money to pay off the loan but If I don't get help from the bureau I believe they will not do the right thing and process my loan honestly. XXXX XXXX admitted to me today that I have been a month ahead on my payments and with out my knowledge they have taken my payments and held them for XXXX  days without applying it to the loan in an effort to wrack up more interest. They have defrauded me of my money and are continuing to defraud me as I walk out the door. Please help!!!!!!! I have no hope that they will give me the lien which is rightfully mine. XXXX XXXX
Consumer complaint received 2024-04-23
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)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXXXXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XX/XX/2023 a checking account was opened in my name. I was told it was charged off XX/XX/2023. I was contacted by a debt collector that I owe {$1000.00}. It was a XXXX Bank XXXX account number XXXX. I did not open this account. This is fraud using my social security XXXX.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a check that was made out to me get stolen from my mail. The thief cashed the check at a Bank of America branch. I dont have an account at Bank of America and I wasnt in the city when the check was cashed. The bank is refusing to return my money that was stolen
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this email finds you well. I am writing to follow up on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter.

Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit 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 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
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with 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 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 as a consumer. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.Code 1681 section 602 A.- States I have the right to privacy.

15 U.S.Code 1681 section 604 A. Subsection 2- States a consumer reporting agency can not furnish an account without my written instructions and consent.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this email finds you well. I am writing to follow up on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter. 

Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit 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 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
Consumer complaint received 2024-04-23
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)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} Bankruptcy : XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/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 Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$960.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$960.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

My wallet was lost/stolen. I had requested out of safety of my account for the card to be replaced. PNC Bank charged a card replacement fee and asked for refund given the circumstance. PNC Bank refused to refund the fee. I ask for a mailing address to write a letter of formal complaint but was withheld this information from the banking XXXX. We ask the CFPB to please investigate and challenge PNC Bank for the reason they need to charge a card XXXX  fee.
Consumer complaint received 2023-07-22
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: CARRINGTON MORTGAGE SERVICES, LLC (LA)

It appears that bankruptcy XXXX  XXXX is incomplete and inaccurate on my credit report remain a faurd which close as order by the judge XXXX XXXX stated that XX/XX/2019 bankruptcy have been closed due to non verify information on credit report, so she submitted the documents to XXXX fail to respond. Also department of XXXX submitted that XXXX accounts with XXXX balance and it's been XXXX completely off my credit report. I am requesting a investigation under the FCRA to removal of theses items of my credit report.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I paid my balance in full. The company charged interest 28 days after the balance of {$2.00}. They then charged me a {$40.00} late fee and charged interest. Now my {$2.00} interest charge has resulted in {$80.00} fees. 

I spoke to XXXX who spoke over me, would not answer questions, and was exceptionally condescending. They agreed to refund my account {$15.00}. I closed my account and asked to be escalated at which point I was escalated to XXXX a senior account XXXX. Nothing was done to resolve this issue and I believe that this is a fraudulent trade practice taking advantage of consumers. I paid my balance in full and yet this was still an issue. I've never had to file a report before, but this is dangerous, and they especially target young women. I have come to the conclusion that I may not see the money, but I do not want other women to be led to believe they have paid some and then spent far more in fees and charges than the actual item cost.
Consumer complaint received 2024-04-23
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. (LA)

Unauthorized inquiries on my credit report. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I notified Capital One of fraudulent charges on XX/XX/XXXX. The charges were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made it clear to the agent when I filed the claim that I caught these charges so late because my father had passed in XXXX of XXXX and I had been managing opening XXXX businesses, a property, and the estate. I caught these charges when compiling a year end accounting for the estate. After being escalated to supervisors they made it clear to me that no investigation was actually made into the fraudulent charges and that they closed the investigation before beginning it because of the timeframe of the claim. They have fine print which states you have a certain timeframe to make claims on fraudulent charges -- the original agent I spoke to when making the claim said that it was good I called when I did because I was just inside that window -- though now they are saying that it was not. This is a disingenuous business practice at best and fraudulent advertising at worst. They claim to protect consumers against fraud and yet they allowed ~ {$3000.00} of charges to questionable XXXX websites occur in the span of 6 days that clearly do not line up with my purchase history. They are holding me responsible for the fraud, which they admit they haven't even investigated the merchants, simply because I failed to call within an arbitrary timeframe. They DO NOT provide fraud protection, it is still the consumers responsibility to catch and notify them of fraud AND to do so in an arbitrary timeframe. These charges ARE fraud and it's very clear to anyone with intelligence simply by looking at the merchant names and the correlation in quantities charged.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (NY)

My credit report is showing late payments to XXXX XXXX  XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NM)

I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-07
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. (GA)

On XX/XX/23, I wrote Equifax to investigate and remove hard inquiries on my credit report. I never heard back from the company. I called today and the representative told me I needed to provide an ID theft report which I am attaching to this complaint, along with the original letter sent to Equifax. You will also find a copy of my social security card and my drivers license, along with proof of address. Please remove those unauthorized inquiries as soon as possible. I did not initiate these inquiries!
Consumer complaint received 2024-04-23
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. ()

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is 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 XXXX Balance : {$0.00}