davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit inquiry on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Az XXXX 2. XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX 7. XXXX XXXX inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am formally requesting an investigation into specific items on my credit report that I believe to be inaccurately reported. This account is causing both financial and emotional distress due to their derogatory nature. The details requiring removal are as follows : XXXX XXXX. This listed item is entirely incorrect and demand correction. According to my understanding of the law, I expect your thorough investigation within a thirty-day timeframe. I anticipate your prompt response. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (CA)

I used my debit card for a retail purchase at a restaurant and the entire party I was with became very sick with Salmonella poisoning the day after XXXX. I called the restaurant many times and no one answered or phoned back. I then decided to request my money back via the bank card BMO and was told that they would investigate and also fund me my {$270.00} back while doing so. They asked me if I had contacted them and I said YES but that no one is returning my calls. They asked me to try again but that they would also do their part. I went to the XXXX XXXX  corporate account, I went to " Contact Us '' and sent a very detailed email via their website about what happened and that I dont believe I should have to pay for this meal. My father was hospitalized with XXXX XXXXXXXX failure from XXXX XXXX from his XXXX XXXX XXXX XXXX. I included in the email my story, my check amount, my name and call back information as well as my email. on XXXX BMO sent me a letter in the mail requesting more information from me which made no sense to me, this told me that they were not being a good back to me. I was so busy with my father in the hospital, I finally sat down to write them a letter that I had not received a drop of communication from the restaurant and had nothing to provide them because I sent the email via their website ( without a response ) and my hands were tied. Yet, on XX/XX/year> the seemingly immediately sent me another horrible letter saying they would NOT refund emergency my money and basically could care less and sent me off to deal with this alone. I believe this is absolutely irresponsible. I received no calls from them, no information or proof that they even did anything to investigate on behalf of their clients and I am absolutely feel abandoned by my bank and I'm losing money to a company that isn't responsible, probably making other people sick and not following up with their correspondences. What is obvious is that my only option is to hire an attorney if this does not work out for me. I have never been treated so poorly by a banking institution. They don't do their due diligence for me, they're soon to be former customer. They showed me 0 proof of an investigation and never had an ounce of sympathy to help or accommodate me as I used their services to live ion this world. It is also their responsibility to advocate and investigate and yet all they did for me was send me contradictory letters without any help or advocate for the consumer. I feel completely abandoned and used by BMO.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IN)

I moved from XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX XXXX to notify them of this move and to find out about the transfer of service. I was told they did not offer Internet Service, Only XXXX XXXX. I wanted to have bundled services ( TV + Internet ) which they could not offer. Because they could not offer Internet Services, I was told that I could terminate my current services in XXXX without an early termination penalty, which I did. After moving, XXXX XXXX XXXX started sending me a bill for {$400.00} for the early termination charge, which eventually went to a collection agency, XX/XX/XXXX, XXXX XXXX XXXX XXXX. I disputed this claim and the debt disappeared from my credit report and I thought they had withdrawn their request for payment. On XX/XX/XXXX Diversified Consultants of XXXX XXXX began a second attempt to collect this debt. Again I Disputed the claim ( Report # XXXX ) but the Dispute results provided by XXXX  favored Diversified Consultants claim. I called Diversified Consultants to try to resolve this claim but was met by a representative of the company that only would tell me over and over again that I owed the {$400.00} and to pay it. I called XXXX XXXX XXXX and found that the debt had been recalled by XXXX XXXX XXXX, the dispute had not been closed in my favor. XXXX XXXX XXXX improperly charged me an early termination penalty and never provided me with a clear statement of why I should pay this charge since they could not offer similar services in XXXX XXXX.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus things that were added to my credit report as a result of suspected identity theft removed. FCRA 605B ( 15 U.S.C. 1681c-2 ) mandates that credit bureaus remove any material mentioned in identity theft. ANOTHER TIME, HERE IS THE LIST OF ITEMS I WANTED TO REMOVE! 
XXXX XXXX XXXX, XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$590.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (FL)

Hello. I am sorry that I do not know English, and you know this well. So, I am forced to get assistance, and so they are aware of this as well, of what you are doing to me unjustly.

Why is it that my credit report does not show my active American Express credit card that ends in XXXX? 
Fix this immediately. And report the correct information to the three credit bureaus, because they removed the account from their credit reports as well. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Technology Federal Credit Union (OR)

I paid {$770.00} for an appraisal that FirstTech ordered. This appraisal allowed me to remove the private mortgage insurance from my current mortgage. To use the appraisal for a second lien on my current home, a different lender asked for a letter from FirstTech stating that FirstTech releases the interest from my appraisal. 

FirstTech refused to provide the appraisal transfer letter and gave no reason. They said they would not release the interest in the appraisal I paid for, therefore, they would not provide the letter for me. They tried to refer me to a FirstTech loan officer to talk about a second lien with FirstTech,  but they don't offer the financial product I'm looking for and their interest rates are not competitive for it. 

XXXX XXXX guidelines state that lenders can transfer appraisals. In addition, most lenders have a standard template to transfer the appraisal for customers. One of them is XXXX XXXX XXXX. Therefore, there's no reason they can not provide an appraisal release letter. 

If they were going to keep the interest in my appraisal, they should have paid for it and informed me upfront about it.
Consumer complaint received 2024-03-21
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. (SC)

XXXX, XXXX and Experian have violated my consumer rights and I demand these items be removed immediately from my consumer report. They have violated 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible purpose of Consumer Reports. These 3 companies have violated my privacy by displaying inaccurate and negative items on my report and then sharing it with others. I never gave either company written permission to report anything on my behalf let alone share it with 3rd party. By law it states they must have written permission from the consumer to report anything on their behalf. 

Also i am seeking {$2000.00} from Experian, {$1000.00} from XXXX and {$4000.00} from XXXX as they are in violation of 15 USC 1681n-Civil liability for willful noncompliance. I have reached out to all three companies to remove unauthorized inquiries from my reports. According to 15 USC 1681n ( a ) ( 1 ) ( b ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) in the case of liability a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have suffered for to long and my livelihood has too. I tried to reach out to the three companies to resolve this matter before coming here. My next step is litigation.
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 hope this message reaches you. Upon reviewing my consumer credit report, I uncovered a significant breach of FCRA 15 U.S.C. 1681i ( 6 ) regarding the reinvestigation process. Your agency failed to provide the mandated written notice of reinvestigation results within the stipulated 5-day period, infringing upon my rights. As a result, I demand the immediate removal of the following items from my consumer report as per 15 U.S. Code 1681i ( 6 ). It has exceeded the 45-day limit since the completion of the reinvestigation, warranting this corrective action.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I review my updated credit report in Identity IQ, I realized that the same information was incorrect. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX XXXX which is a XXXX Loan which has never been past due but yet has been reported past due and impacted my credit score.
Consumer complaint received 2018-09-06
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. (FL)

Account Number : XXXX I previously disputed this account with XXXX/XXXX XXXX on ( 2 )  occassions over the last 9 months.I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was  sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from XXXX/XXXX  XXXX ) and had promised to make the ( 3 ) reporting bureaus aware On XX/XX/XXXX I reviewed my credit files accessed from Experian and to my suprise I see that XXXX/XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have completed a transaction with PayPal on XXXX XXXX, 2020. PayPal is holding on to my money and char4ged a transaction fee and still holding g on to it. 

In the mean time they charge me interest on their credit card. 

They hold on to my money with impunity Most unscrupulous company They waste time sending all calls to XXXX Paypal id : XXXX Every time I call they give me a hold time of 7 hrs
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX XXXX removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The Office of Recovery is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, ORS stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.