davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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 2023-04-07
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-03-29
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. (CA)

I am reaching out to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding these accounts. I have directly contacted all the companies involved and have followed the necessary steps advised to resolve this issue. I have also filed an identity theft report with the FTC and have initiated the dispute process with the companies. Your assistance in resolving this matter would be greatly appreciated. 


I request that you investigate the following fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-08
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. (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 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 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had an existing " XXXX XXXX '' account with Capital One and it has come to my understanding that they created a similar new savings account in XXXX  with a deceptively similar name called a " XXXX XXXX XXXX '' account with considerably more APR. We were never notified that there was a distinction between these XXXX similarly sounding accounts. My old XXXX XXXX account had an APR of XXXX and the new XXXX XXXX XXXX account at XXXX APR. Had I been informed by Capital One that these were not the same APR yielding accounts, I would have moved my money sooner to the higher yielding account. I had about {$7200.00} in the older account which they advertised at the time as a great rate. It was a great rate at around 4 % at the time I opened it. When the market interest rates started a down turn, the savings account automatically adjusted downward, understandably. I assumed that when interest rates started increasing that the savings account would have automatically adjusted with an increase in APR. What Capital One did was keep the existing account holders at the low XXXX APR and offered a new XXXX XXXX XXXX account, again to highlight, with a deceptively similar name at a 4.35 % for new customers. I believed that the rates would have fluctuated with the market as they went up just as they went down with market rate changes. As it stands now I have been getting approximately {$4.00} per month in interest when the new XXXX XXXX account would have yielded approximately {$26.00} per month in the year of XXXX. This is a loss of {$21.00} per month in interest to which I claim Capital One was well aware of when they created the deceptively similar account in XXXX and failing to properly inform account holders of the distinction between the very similar savings accounts. There should have been an automatic adjustment upward in interest rate just as they automatically adjusted downward. If there is any reconciliation of this matter, I would want to be advised.
Consumer complaint received 2024-01-22
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

Lexington law was supposed to assist me in getting pre approved for home purchase. My score rose do to me using XXXX XXXX and XXXX. I asked how long it would take to be able to get a good credit rating? There was no accurate answer, just being led on to continue paying monthly fees. Items that came off my credit was a time issue and was due to drop off
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had an existing XXXX Savings account with Capital One and it has come to my understanding that they put out a new account with a similar name called a XXXX XXXX XXXX account with considerably more APR. We were never notified that there was a distinction between these two similarly sounding accounts. One had an APR of XXXX and the other XXXX XXXX. Had I been informed by Capital One that these were not the same APR yielding accounts, I would have moved my money sooner to the higher yielding account. I had about {$41000.00} in the older account which they advertised at the time as a great rate. It was a great rate at around XXXX XXXX  at the time I opened it. When the interest rates started a down turn, the savings account automatically went down, understandably. I assumed that when interest rates were increasing that the savings account would have automatically increased. What Capital One did was keep the existing account holders at the low XXXX APR and offered a new account, with a deceptively similar name called the XXXX XXXX XXXX account at a XXXX XXXX XXXXor new customers. I believed that the rates would have fluctuated with the market as they went up just as they went down with market rate changes. As it stands now I have been getting approximately {$10.00} per month in interest when the new XXXX XXXX account would have offered {$150.00} per month in the year of XXXX. I have since moved all of my money to the new XXXX XXXX XXXX account. There should have been an automatic adjustment upward in rate just as they automatically adjusted downward. If there is any reconciliation of this matter, I would want to be advised.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

Ally unilaterally chose to revise the contract without my consent and deferred payments in XXXX. When I went to the site ( due to online paying as the only option ), there were no payments noted as due during XXXX months in XXXX. As the contract ended in XX/XX/XXXX, I realized I still owed over {$1000.00} when I should have been paid off early due to EARLY payments made. Instead, I still owed. I made additional payments, but still I was told I owed more payments. There was no way to reach anyone at corporate and the customer service reps continued to tell me that I requested the deferment and extension. I did not and they have NOTHING signed by me requesting this. I also asked for a detailed breakdown of the payments and interest paid. I got some random report. After additional delays by Ally, I was told that they were going to remove the deferment from the system. At this time, I was getting notices that I was now " XXXX '' and " XXXX '' payments past due, additional interest had been charged and my credit report was being destroyed by their claiming I was late in my payments. In that the contract calls for a certain amount of priniciple and the interest should not have accrued during this illegal deferment, I need to have the real and accurate amount provided to resolve what may ( or may not ) be XXXX missing payments, This issue was caused by them. And they will not fix it. Additionally, I had sought to resolve this through XXXX and the amounts reported owed by me from them is different from the documents they sent me. My credit is being destroyed and I do not have my title. I should have had it and would have had it if they did not pull this scam on me. And again, there was nothing noted in my online account or in the credit report that I failed to make the XXXX payments they claim are still owed to them. I am under threat of repossession and I do not have my title. 

Be advised, the Ally rep on the phone told me that I had made all my payment in XXXX. This is a recorded call. I wrote to Ally advising this was said to me. The people with whom I have spoken continue to tell me that their records show otherwise. In truth, I was TOLD all payments were made. So this, too, is a scam. I have been without the title to my car now for over SEVEN MONTHS. And there is no phone number to reach anyone at corporate.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I am writing to express my continued concern and frustration regarding unresolved issues related to fraudulent accounts on my credit report. Despite previous escalations, there have been no satisfactory resolutions to the disputed fraud accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EMCC Holdings, LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-31
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. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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. (CO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$30000.00}.
Consumer complaint received 2023-08-31
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. (CO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$30000.00}.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Loan Garden LLC (CA)

I received a loan offer that I agreed with the lender before releasing all the contingencies, after releasing the contingencies for the loan, a few days before closing I found out that my loan was not the same and they changed the terms to higher interest rate which caused higher mostrar Paymetns and also asking for a higher closing costs for about XXXX more. I didnt agree with the terms but I was told to sign so that we could start counting the days as we needed 3 days to process it. I was told by the broker that the bank changed the terms after we released the contingencies and that it was not his fault. Now if I dont. Close this property I will lose my XXXX and per my real estate agent also theres a risk that the seller will also ask for money from other damages. The broker said it was too risky to try to apply with other banks and that it would take about 2 weeks, pushing me to closed 2 days before closing date. I told them with time that o wouldnt qualify because I dont have enough for closing costs as they had increased the amount but they just lower the closing costs and increase my interest even more, causing the mortgage payment to increase again.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (FL)

This is actually regarding an inquiry on my credit report. I never applied for credit with this company. There appears to be an inquiry from Global Lending service on XX/XX/24. I actually mailed a letter and got no response. I attached my affidavit and im requesting a removal of inquiry.
Consumer complaint received 2023-12-10
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. (AL)

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.

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 inructions 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX 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 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (OH)

Subject : Formal Notice of Violations and Request for Remediation Dear Ability Recovery Service, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Ability Recovery Service has handled my credit information. 

It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 

Moreover, I insist on Ability Recovery Service providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.
Consumer complaint received 2023-08-31
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: AMERICAN HONDA FINANCE CORP (FL)

I submitted a dispute regarding a late 30 day payment on my credit report. The company responded saying they were unaware my phone number changed, however my personal phone number did not change. I have had the same phone number for 20 years. They failed to log the correct primary number to contact me. In addition, they failed to attempt to contact the co-owner 's primary contact number so neither one of us were properly notified. I am exceptionally disappointed in this company because they fail to look at my payment history and acknowledge consistent payments for 3 years, which should clearly signal to them that something went wrong for the one payment. If this is not rectified satisfactorily, I will file a lawsuit as the next step. Because of this 30 day late payment, I got a significant credit hit to my credit report, which has created significant problems. The agent on the phone indicated that American Honda Finance has been willing to make changes on other people 's reports, so I feel that this is prejudice against me as a XXXX woman. I would like this issue rectified as soon as possible please. 

Thank you