davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
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. (IN)

RE : LETTER TO REMOVE INQUIRIES. 
To whom it may concern, I received a copy of my credit report and found the following items to be errors. Here as follows as items are in error. 
XXXX XXXX XXXX XX/XX/2023. 
XXXXXXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Explanation : I did not give my written consent to run my credit report. I would like to be provided proof I consented to these inquiries via FCRA Section 609 and 605 as well as the accuracy of these inquiries via FCRA Section 623. If you have no proof, I would like you to remove these inquiries immediately please and thank you. Thank you for your time and help in this matter.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Bureau, Inc. (CA)

I went to XXXX in XXXX for a root canal procedure. I had dental insurance. They billed me for my portion and I paid to receive the service. XXXX is putting me on collection for portion that they anticipated to collect from my dental insurance. This debt is not mine. I paid what they billed me to receive the service at the time of service.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (PA)

In XXXX of 2022 I changed my Home Insurance company. A check for {$2100.00} was sent to Freedom Mortgage to be applied to my Escrow. 

Freedom Mortgage received the check and never applied the check to my Escrow. When reviewing my statement it is also stated that it is not applied.

Due to not applying the check to my account they have increased my mortgage to cover the Escrow shortage.
Consumer complaint received 2023-11-01
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 (WI)

Note : warning all US consumers about Capital One and their lack of customer service through an extremely stressful process : I made one purchase on one date with a restaurant in XXXX ( XXXX XXXX ) for four drinks, signed our credit card and then left for the night to go home. The charge was on XX/XX/XXXX for XXXX {$90.00} USD. 

When I returned home from our trip I noticed on my Capital One online statement that I had been double charged. When I called capital one the first time, they suggested I go straight to the merchant. I opened up a chat with them online where they confirmed the charge was only made once on their end and suggested I wait a few days to see if the charge was removed. A week later it was not. I then called Capital One and they reversed the charge ( temporarily, as a month later they re-charged me for the duplicate charge ). 

When I called Capital One about charging me again for the duplicate charge, I spent 45+ minutes on the phone ( the first individual I spoke with wasnt comprehending that there wasnt proof from the merchant for two charges, only proof for one ) and ended up being escalated and thus, having to supply additional documentation to get the credit reversed which Ive included in this complaint of the merchant confirming there was only one charge. However, after supplying proof that the merchant confirmed they had only charged me ONCE, Capital One deemed that inadequate as proof and kept the charge on my card. 

I have never experienced as poor customer service as I have with Capital One, and this isnt the first time there was something fraudulent that I have had to dispute and its always been much more difficult than it needs to be. I just want to warn others of Capital One and their reluctance to put the customer first. For me, it isnt about the charge anymore as I am fortunate in the sense that I can financially afford to eat this cost and be done with it, however many are not and this would be a large dollar amount coming out of their weekly earnings and make a large impact on their well-being. I will be closing my card after this payment posts and never returning to Capital One, as well as ensuring my husband does the same. XXXX  has a much better customer service line and much better rewards- good luck to all who bank and do business with Capital One. 

I will also add - I have been a customer of Capital One since 2009, and this is not something that comes up often for me. My credit score is excellent ranging at 780-800+ and I have always made payments on time. However, I am an XXXX  and watch my statements carefully which maybe Capital One doesnt like.
Consumer complaint received 2024-04-23
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-30
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: Kitch Acceptance Corp. (IN)

I am secondary on a loan for a vehicle from XXXX XXXX in XXXX indiana. Kitch Acceptance corporation is the loan company for the vehicle. The payments are 2 mo behind and on 2 separate occasions kitch acceptance has done a hard inquirary on my credit without consent. Once in XX/XX/2023 and again just a few days ago. This is making neg remarks on the credit ive been working on building up.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always ensure my payments are made on time, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (TX)

Loan request processing blind. They do not give fees, terms of payback, or interest rates, what consumers need to know. Only forced to sign the page to the next information review which is their policy and their term and conditions. After they got the customer 's request they approved and closed out without showing or reviews and fund transfer to the consumer bank. After the fund transfer to the consumer account than showed a long period of payment terms and a large amount of monthly payment. I called Creditninja and no answer due to the closed business hours try day indicated that the weekend was closed. Funds are supposed to be deposited on XX/XX/2024 but fund deposits on the same day apply to XX/XX/2024. Eventually, XX/XX/2024 re-deposit fund and XX/XX/2024 withdraw the fund. Later on XX/XX/2024, they charged {$30.00} unknown fee with a drawer from my bank. They cheat consumers. They shouldn't be doing business.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion site does not work and what I attached is one of many I have which will be presented in arbitration or litigation. I can not access your credit report, file a dispute, or access my information for over a year. Since XXXX. I have emailed, called. I was told I am committing fraud and asked to send my social Security number, my Driver Lisc and my mortgage statement.

I have tried to go through annual credit report and because I complained I am being weaponized. The last report I gave in my possession is from XX/XX/year>. Report XXXX. I have emailed higher ups and ignored and being told I committing fraud by trying to access my own report. I have reported to the FTC. The evidence speaks for itself. I have extensive proof. My attorney also mailed a demand letter to Transunion and ignored. How is it possible that for over a year I can not obtain my own credit report. I have had the same information in my credit report. To falsely accuse me of fraud and weaponize because I told the truth. I have every digital footprint when I tried to log in.
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (AL)

I opened a credit building account with self credit card. After six months I was offered an credit card for XXXX after several payments on the building account and charged so many fee on my own money I decided to close the account. I was refunded a XXXX out of XXXX and was told I need to pay XXXX credit card. On the credit I put a XXXX of my money and they took XXXX XXXX of their money, total a XXXX credit card. I payed the card balance off and the company refuses to close the card. The self program want me to start a new account, I do not feel this card was being fair. After several attempts and several months they gave me a fee for XXXX. I have been trying to pay it off. It is up to XXXX in late fee. This card has reported to all three credit bureau to mess up my credit. They will not allow me to pay the balance. They want me to open a new account. They want me to.use my personal account information to pay off this balance. I tried to pay the balance off with prepaid card, it want allow. This is card is causing great harm to my credit report.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A. (OH)

ON XX/XX/XXXX, I RECEIVED A CALL FROM XXXX AT XXXXXXXX XXXX. IT WAS A AUTOMATED MESSAGE INSTRUCTING ME TO CONTACT SHEER GREEN AND BURKE AT XXXX IN AN ATTEMPT TO COLLECT A DEBT. 
I CALLED AND SPOKE WITH A XXXX WHO TOLD ME THAT THE DEBT WAS FROM " XXXX XXXX '' IN THE AMOUNT OF XXXX FROM THE YEAR XXXX AND THAT THEY HAD UPDATED THE FILE IN XXXX ; THE FILE NUMBER IS XXXX. PER THE OHIO REVISED CODE Section 1303.16 | Statute of limitations - UCC 3-118. 
THE STATUE OF LIMITATIONS FOR DEBT COLLECTION IN THE STATE OF OHIO IS SIX YEARS. XXXX WAS 18 YEARS AGO AND XXXX WAS 14 YEARS AGO, BOTH DATES THAT THIS ALLEGED DEBT IS OUT OF THE SCOPE OF THE TIME THEY WAS ABLE TO COLLECT. 
I ALSO REQUESTED DEBT VALIDATION, INCLUDING THE ORIGINAL CONTRACT WITH MY SIGNATURE AND DATE ON THE CONTRACT AS WELL AS ITEMIZED STATEMENTS. 
XXXX THE REPRESENTATIVE FOR SHEER GREEN AND BURKE TOLD ME THAT SHE WAS UNABLE TO PROVIDE THAT FOR ME AT THE TIME AND THAT SHE WOULD PUT IT IN MY FILE ; SHE ALSO GAVE ME A FILE NUMBER OF 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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Good Evening, I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 )
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.