davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Only name My Only address is what's included on this complaint and my attached ID and proof of address. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One continues to charge me an annual fee for my Platinum card, despite the fact that the Platinum card has NO annual fee for new applications. The reason for this is because when I applied for the Platinum card over 10 years ago, I was a subprime borrower with no credit. Now that I am a prime borrower with exceptional credit, my Platinum card can be packaged into asset backed securities Capital One can sell, while still milking me for fees because they know I can't close my oldest account without lowering my credit rating. Federal legislation must be passed to stop Capital One 's predatory blackmailing tactics. How is " grandfathering '' annual fees legal, to say nothing of asset backed securities?
Consumer complaint received 2024-06-23
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: Resurgent Capital Services L.P. (FL)

At this moment. I am in litigations with three company.. complaint files first one XXXX. Second # XXXX. Third # XXXX. One is a consumer agency. XXXX. The other is XXXX XXXX. And Lvnv llc funding. There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COMMERCE BANK (IL)

This new complaint is related to the previous complaint case XXXX against Commerce Bank for their illegal activities which was filed on XX/XX/2024. 

In this new complaint dated XX/XX/XXXX, XXXX is complaining about a second un-authorized balance transfer made by Commerce Bank. The first one was made on XX/XX/2024 ( Thursday ) and this second one is made on XX/XX/2024 ( Friday ). Both un-authorized balance transfers have added up to a total amount of XXXX dollars. 

On XX/XX/2024, Complainer has made clear to XXXX XXXX ( the chief customer representative of Commerce Bank ) on the telephone that Complainer does not want to continue doing business with them because of their unreliable banking practices and illegal activities. The balance transfer made on XX/XX/2024 should be immediately invalidated because Complainer did not authorize the balance transfer. However, the Commerce Bank has made a second un-authorized balance transfer today, XX/XX/2024.
Consumer complaint received 2018-08-29
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. (PA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX ACCEPT XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This account has caused me significant distress, to the poinXXXX where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CT)

I entered into a settlement agreement with Amex thru XXXX XXXX XXXX XXXX. This was for XXXX payments totaling {$6000.00} to be paid by the XXXX of XX/XX/year>. I paid both payments to the account that XXXX XXXX XXXX XXXX instructed me to. The next week i receive a letter stating that my account was handed over to a new firm called XXXX XXXX XXXX. They had no knowledge of the agreement. I emailed XXXX XXXX and asked if they received the last payment and he responded on XX/XX/XXXX that they received the money and it was transmitted to Amex. Amex never received the money. My accounts continued to be reported as delinquent or derogatory. I have been continuing to email and call Amex, which they in turn send me to another company called XXXX XXXX XXXX XXXX, then they send me to XXXX. I have finally had some progress on this within the last week or so. The payment was sent to Amex by XXXX, but the accounts are still showing balances, and my credit reporting has not been fixed yet. My credit scores have dropped significantly since I made the final payment in XXXX.
Consumer complaint received 2024-01-17
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. (PA)

According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like XXXX, Transunion XXXX XXXX XXXXXXXX and XXXX which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my school wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page 10, it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

An account from XXXX that was not mine was reported on my credit report as late payments. While it has already been removed from XXXX and XXXX, it still persists on my TransUnion report.
Consumer complaint received 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC. (PA)

I am applying with New American Funding for a Pennsylvania FHA loan ( was actually approved ) and then was told that I needed to prove that my manufactured home was taxed as real property and did not have an active title with the DMV. This home was my parents since XXXX  and is being taxed as real property. The DMV sent my lawyer a certified letter that they do not keep Title records past 10 years. Before I bought this home from my parents estate, they had several mortgage loans ( I paid the final HELOC off when I purchased the property on XX/XX/XXXX ). They told me to contact a lawyer, which I did and was informed that my house is included in the tax assessment as real property. I paid to have a structural engineer to come out and he provided a report that my home is permanently affixed tot he property ( it has been since XXXX ). I have provided everything that they have asked for and they are still delaying my loan because the DMV says that there is no title on file ( they only keep title information for 10 years ). The house has been included on the property assessment since XXXX. I spent money on the appraisal, structural engineer and an electrician to upgrade to XXXX outlets in the kitchen and bathrooms. Their delay is now causing me financial hardship for no reason. I do not know what else to do.
Consumer complaint received 2024-02-07
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. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-04
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. (CA)

So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  one? Yet I go to Experians w ebsite, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Consumer complaint received 2018-08-29
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. (TX)

We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and Experian- not able to access their website. 

Thanks in advance for any assistance you can provide.
Consumer complaint received 2024-01-17
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. (LA)

I filed several disputes with Transunion and XXXX asking them for the documents after the investigation. I sent them my police report and FTC report. This accounts were removed from my XXXX report after I disputed them.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (OK)

Around XX/XX/XXXX I moved homes from one location to another and needed to take my XXXX with me. In a call at that time I was told there would be a fee to transfer service. Upon this, after being a customer for 8 plus years, I told them I would rather just cancel the service as I owed them nothing at the time and was not on a contract. I was transferred to an account specialist whose job it was to save accounts. I told her the issues and she told me they would waive the moving fee and not be stuck in a contract. I made multiple points that I did not want to be on a contract and that I had fulfilled the terms of the original contract and no new contract was signed. Nor was a new contract agreed upon. 

Fast forward to the summer of the following year when XXXX took over XXXX and began raising everyone 's rates. I was done. I cancelled service and returned the equipment. I owed XXXX or XXXX nothing. I owe them nothing today. 
They immediately used threats of the contract to keep me as a customer but I told them to send proof of a signed contract and look at the previous call. They couldn't find proof and the call verified I was correct. This was never disputed by XXXX  or XXXX again. 

Fast forward 2 years later to today XX/XX/XXXX. I get a call from sequium asset solutions regarding the very debt. 

They threatened to destroy my credit regarding the false debt. I called XXXX and they refused to fix this. 

Proof of the contract can not be found. They committed fraud by sending the original contract from 8 years ago attempting to say it was the new contract.
Consumer complaint received 2023-06-23
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: NAVY FEDERAL CREDIT UNION (NC)

In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2018-08-29
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( Experian  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-Experian : XXXX XXXX : XXXX ) XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX   Experian : (  XXXX XXXX : XXXX ) XXXX XXXX XXXX : XXXX Experian : XXXX. XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX/XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX/XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX )
Consumer complaint received 2018-08-29
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: EQUIFAX, INC. (CA)

1. In a letter dated XX/XX/XXXX, I requested XXXX XXXX , XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to Equifax and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/XXXX. Thus, XXXX 's 30 day deadline was XX/XX/XXXX. 2. I obtained a copy of my Equifax, XXXX, and XXXX credit reports on XX/XX/XXXX, well after XXXX 's deadline of XX/XX/XXXX. Again, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than JXX/XX/XXXX. 
3. In a letter dated XX/XX/XXXX, I notified XXXX that it had not placed a notice of dispute on my Equifax, XXXX, and XXXX   credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 
4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Filed Date : XX/XX/XXXX Reference Number : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial (VA)

I was contacted by Ameritech Financial about refinancing my student loans. I was told that if I paid {$200.00} a month I would have a considerable amount taken off the principal of my consolidated student debt. I went through the process on the phone and asked the representative if there were any further required actions in order to begin. I was told no. That I simply had to make the payments and my debt would be reduced. 

Weeks later I started receiving emails from Ameritech requiring further documentation to continue receiving their services. This had not been disclosed at the time I signed up but money was already being taken out of my account for several monthly pay periods. 

There was no phone number provided to contact someone at Ameritech for explanation of the further information needed. Ive still been receiving the same email every week for the past year or two. 

I feel that Ameritech stole hundreds of dollars from me.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

I received a promotion offer of 400 $ for opening a new checking account with Regions Bank in XXXX XXXX. I have met the opening requirements for eleven months and have not received the bonus of 400 . I have called and visited their customers service for more than times and they told me I qualified the promotion offer and met all the requirements. But I have not received the bonus to date. Therefore, I am requesting Regions honor the offer and award the bonus to my account. Thanks.
Consumer complaint received 2023-11-16
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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.