davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically Transunion and XXXX have not removed the in accurate accounts off my credit report. TransUnion specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 
As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.
Consumer complaint received 2018-02-27
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: Bread Financial Holdings, Inc. (NV)

I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report, they agreed to remove it but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX won't help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/18
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/23 I filed a dispute for XXXX for a transaction from XXXX XXXX. I never authorized this transaction and told the agents this numerous times. They then stated it is not under regulation E, despite me stating it is in fact unauthorized. I am due for a provisional credit as it is now XXXX business days and they are refusing against the Regulation and code set forth.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/19 I spoke with XXXX at Capital One, who advised me of plans to bring all 3 of Capital One Accounts update. For the first credit card he advised me if I paid XXXX on XX/XX/19 and then another payment of XXXX on XX/XX/19, the remaining past due balance of XXXX would be waived. Then for the 2nd card I was advised I needed to make one single payment of XXXX on XX/XX/19 and the remaining past due balance of XXXX would be waived and for the last card. I was advised to make a single payment XXXX on XX/XX/19 then past due balance of XXXX would be waived. I asked XXXX multiple times if this information was correct and he assured me everything he was saying was accurate. I made all the following payments on the given dates, only to contact Capital One on XX/XX/19 and to be advised the information was incorrect or they had no idea, or the payments just made my account current and they would have to review the calls, As a Capital One card holder, I think their business practices are scrupulous and what makes it so bad it was on a recorded phone line and their reps should not give false information in order to get a customer to make a payment. On XX/XX/19 I spoke with a very condescending and rude rep by the name of XXXX XXXX, who first claimed the call was from XX/XX/19 then she placed me on hold and came back on the line and claimed the the rep didn't provide me this information, and I requested to speak with a Manager or someone else the rep refused.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (MS)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX  XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
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. (NV)

In 2020 I disputed incorrect names and or address that appeared on my credit report with Experian, XXXX and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that Experian has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

Carrington mortgage has been habitually tacking on " uncollected fees '' I bring my account current, and it states your next payment is due on the first of the month. The interface is designed in such a way not to show any outstanding amounts, but I continually get this 'uncollected fees ' with no provenance or explanation as to what these fees are. Speaking to frontline agents or managers has been useless. I registered a complaint with the escalations department, and the resulting letter was we don't see a problem here. I have never received an explanation of what an uncollected fee is. Carrington Mortgage needs their business practices audited, if this is happening to me it's probably happening to someone else.
Consumer complaint received 2023-07-10
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. (FL)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC is out of XXXXompliance. According to 15 U.S.C. 1681e. This collection agency has not provided documentation as to how my information was obtain. 

The account number is XXXX XXXX XXXX XXXX XXXX  XXXX. Midland Funding LLC does not have a license to place collections in the State of Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and XXXX XXXX XXXX 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

While on holiday around the XXXX of XX/XX/XXXX I noticed some fraudulent transactions occuring on my payroll card ( Which i had never received ) on the dates of the XXXX to the XXXX of XX/XX/XXXX. I found out how to submit a fraud claim when i arrive home from vacation on the XXXX of XX/XX/XXXX and immediately Submitted a claim and the appropriate forms. 

On not receiving any feedback for a few weeks, I began to make a phone call to the Paypal and other financial service providers they would point me to. I was routinely told that I had been mailed correspondence and each time i protested the use of regular mail, As I do not trust regular mail. 

After a few weeks of these routine phone calls, around the middle of XXXX, I was informed during a call that a cheque had been mailed to me via regular mail. On reiterating my concerns with regular mail and my readiness to incur additional charges to use a service like XXXX, I was informed that that would be arranged when the XXXX either expired or was claimed. 

It has now been more than 5 months and I have yet to receive any mail or correspondence regarding my claim.
Consumer complaint received 2023-05-10
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: EQUIFAX, 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. 

XXXX : XXXX, XXXX  XXXX XXXX, 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 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 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

At the end of XX/XX/2022, I opened an account with XXXX Bank and deposited a {$2500.00} check I had received from the United States Department of Education as a refund on a defaulted student loan, on account of the closing of XXXX XXXX The check was accepted but after XXXX week and before I could even receive my bank card, the account was frozen and my money denied to me on the grounds of supposed fraud. When I called to dispute the freezing of my account, I was asked by a member of the customer service team who were clearly not from the US over and over again as to " the name of the person who sent me the check. '' After explaining each time that it came from the United States Department of Education, they still refused to acknowledge my information. 

I later attempted to seek assistance from the banker who assisted me with opening the account and they told her that the issue was with my address on the account not matching the check. They later withdrew the money from my account and closed the account. I then called their support again and they claimed that the amount on the check was suspicious and thus why the account was close. But due to the account not having any money in it, then they could not give me any money back. 

I proceeded to seek further support from outside help and was advised to try their support line again and was told to provide information as proof of evidence that I was who I said I was. I called back the collections company who held my defaulted account, and they provided me with a copy of their letter indicating that I would be receiving a refund from the United States Department of Education on my student loan. This packet included my old address as well as my new address, and information that I was to receive the refund. XXXX rejected the evidence claiming that it did not show that I was entitled to the money. They are insisting that I provide account information from the United States Department of Education 's accounts in written form as the only proof of entitlement they will accept. That information I can not receive.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal share my personal information with a third party without my authorization. 
They have also voilated my consumer rights granted by Congress.

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX 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 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Unauthorized credit inquiries and a fraudulently opened account currently in collections. XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, Collections account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (SC)

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 2023-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (SC)

I have been receiving up to XXXX phone calls a week from Reliant Capital regarding a debt from XXXX that I disputed with the school. I never agreed to pay the amount in the first place with the school but the debt collector is calling repeatedly up to 3 times per day. When I answer the phone they do not speak, just silence every time. They call while I am working as well as when I am home. I have asked them to stop calling, they wait a few days and start again. 
Just from this past week I have records showing they have called : XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. 
When I do answer their calls, again which are excessive to say the least, they do not say a word. I have sat on the phone for periods of time to see if someone responds, they do not. I called back in right after today and was immediately informed it was regarding a debt, they did not verify who I was, just assumed. They did not ask my name, just stated it and the debt that I owed. This occurred at XXXX today on XX/XX/XXXX. 
Between the dates of XX/XX/XXXX to XX/XX/XXXX I received XXXX phone calls from them as well.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have been contacted numerous times within the past 2 years by XXXX XXXX XXXX stating to be the XXXX Sheriffs Office threatening to serve me documents at my place of employment. I have asked several times to verify the debt because it is not mine. They refused to do so and continue to threaten and harass me.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just one account credit bureau are showing different numbers.XXXX shows the Docket number as XXXX Equifax shows XXXX and XXXX shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at one or multiple accounts The fallowing fields are inconsistently between the 3 Credits Bureau