davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I fell victim to a multi-layered scam operation run by an XXXX XXXX who wanted to learn more about American culture ( XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (GA)

I applied to a 30-years conventional mortgage with Provident Funding ( loan # XXXX ) on XX/XX/2019 to acquire a second home in the state of FL. On XX/XX/2019, I locked my interest rate at 3.5 %. I have been with Provident for more than 10 years with the mortgage on my first home. 

On XX/XX/2019 XXXX ; XXXX ET, Provident raised my interest rate, in spite of the lock, to 3.875 % because they decided to convert my loan to investment loan due to 1031 exchange. When I requested escalation, a manger by the name of XXXX called me at XXXX ; XXXX ET and decided to punish me by further raising interest rate to 4.125 % ... when I confronted him that I was just quoted lower he lied by saying that he listened to the previous call ... I requested further escalation and was told NO, I report to the CEO Provident Funding has fraudulently raised my rate twice in an obvious bait and switch scheme ... mangers lies to people ... even to a customer who has been with their company for more than a decade ... please help!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have to request for my balance to reflect correctly with each credit reporting agency each month. XXXX XXXX reports on time, they've provided proof. For whatever reason the reporting agencies delay updating the account the account information ; there is a 60 day delay. The balance owed is incorrect, I only owe {$470.00} to XXXX XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (FL)

I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against XXXX, XXXX, and Jefferson Capital System regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent certified letters to XXXX, XXXX, and Jefferson Capital System, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe. 

The certified letters were delivered and received by XXXX, XXXX, and Jefferson Capital System on or before XX/XX/2023. The tracking numbers for each delivery are as follows : XXXX : XXXX XXXX : XXXX Jefferson Capital System : XXXX I urge you to verify the delivery of these letters by visiting XXXX  using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from Jefferson Capital System regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either XXXX or XXXX within the mandated 30-day period.

This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold. 

I implore the Consumer Financial Protection Bureau to take swift action in this matter. XXXX, XXXX, and Jefferson Capital System must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have attempted on multiple occasions to have this inaccurate information removed from my credit report from Experian in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.
Consumer complaint received 2023-06-08
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. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-17
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. (GA)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My credit card ending in XXXX is being charged for something I did not authorize. Captial One restricted my account but will not allow me to report unauthorized charges. I have contacted them numerous times and they keep telling me someone will contact me. This is ridiculous. I want the card unrestricted and the ability to report fraudulent charges.
Consumer complaint received 2023-10-17
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. (SC)

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. 


Account Name : XXXX Account Number : XXXX 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.
Consumer complaint received 2023-10-17
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX, have demanded Equifax numerous times to send the ending results of account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX being deleted from my consumer profile ( SEE ATTACHMENTS ). Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2023-10-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: DHI Mortgage Company (FL)

I applied for an FHA mortgage in XXXX XXXX  At the time of the application, I was not informed that there was a previously completed FHA appraisal on the home that was less than my contract offer. Over the following weeks, there was delay after delay after delay and no one would explain the reason for the delays and requests for irrelevant items. More than a month after the contract, the previous FHA appraisal was disclosed. It was only disclosed because the DHI mortgage team had exhausted all efforts to get a new FHA appraisal and hide the previous one from me. They were forced to negotiate in light of the lower appraisal price. During the process of waiting for a clear to close, our mortgage agent stated that I would not be charged the appraisal fee as the appraisal had been done for a previous buyer. Once DHI was not able to get a new appraisal the rest of the settlement process moved fairly quickly. The day of settlement when I received the XXXX, I noticed the appraisal fee was still listed as being paid by the buyer as well as a general category of " seller credits '' in the amount of {$15000.00}. My realtor and I both requested an explanation of 1 ) Why the appraisal fee was still on the XXXX and 2 ) What items were included in the " seller credits. '' My mortgage agent said she would get back to us by the end of the day with the explanation. She did not. In the 6 weeks since settlement, the accounting of what was included in the " seller credits '' has been requested multiple times and has still not been received.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX I received a CapitalOne credit card in the mail to activate. I did not request to open the account or inquiry about opening a credit account. 
XXXX XXXX XXXX Called CapitalOne and was told the account was open on XX/XX/2023. They reported no charges. Opened a fraud case on the account and closed the account. I was told it could take 6-9 months to resolve.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX lease ended last summer in XXXX of 2023. I made all of my payments on time and had no outstanding balance when I returned the automobile. Several days ago, XXXX XXXX started reporting a late payment, XXXX QUARTERS OF A YEAR since the lease ended!!!! 

This information is FACIALLY FALSE and costing me $ XXXX per day on a significant purchase that is impacting my business so I can not afford to wait for a so-called " reinvestigation '' by the furnisher. In fact, facially false data is subject to EXPEDITED dispute resolution procedures and you have my phone number so CALL me IMMEDIATELY to resolve this and notify me that you are, in fact, deleting the item of information called XXXX AUTO starting in XXXX and confirming it will not be reinserted until maximally accurate!
Consumer complaint received 2023-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Inquiry on Credit Report XXXX has not been removed after Capital One contacted me on XXXX and I confirmed it was not me who applied for credit. Was verified it was identity theft/fraud. XXXX advised it would take 60 days for Inquiry to be removed. Contacted Capital One on XXXX to inquire why it was not removed told it could take up to 90 days. Contacted Capital One again XXXX was told will expedite within 15 days. Contacted Capital One once again on XXXX XXXX from Dispute Escalation dept. stated would send message to last Fraud manager working case to address immediately and to wait 5 days. Later on XXXX received call from XXXX from Fraud & Dispute Resolution advised inquiry would be taken off on next cycle to CRA 's on XXXX. Contacted Capital One on XXXX manager XXXX now says I must send in a detailed letter explaining the situation. Again on XXXX manager XXXX stated same as last agent to send in detailed letter. I submitted previous complaint about this situation and reply was that agent showed it was taken care of and inquiry was removed. To this date XXXX inquiry has not been removed. XXXX advised for me to get letter stating it was Fraud from Capital One and they would remove it. Capital One refuses to give such a thing.
Consumer complaint received 2024-04-06
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. (KY)

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, XXXX & TransUnion under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Consumer complaint received 2023-10-17
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)

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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2023-04-21
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. (CA)

CREDIT REPORTING AGENCIES XXXX AND EQUIFAX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint against XXXX XXXX  regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX  failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.