davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

It is XXXX XXXX, 2015. I have not received the required XXXX from my mortgage lender, Seterus Inc . I have tried calling them multiple times, and was told the document was faxed to me on XXXX XXXX, XXXX XXXX, and in addition the document was also mailed to me on both days as well. The fax was not received. The fax is a dedicated line and all other incoming faxes have arrived without delay or issue. Each time I call I am told it will take 3-5 business days to fax the document, or 7-10 business days for the document to be mailed. I still have not received the document. Will the IRS understand that it 's not my fault when I ca n't file my taxes? I already had to request an extension ...
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in XXXX ), XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

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 2017-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

they continue to verify accounts that have been removed from other CRAs and even have provided with the same information the other CRAs have been provided. Please see CFPB case number  XXXX  for reference of account that should be removed. Fair Collections and outsourcing is not verifying this information per them.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.
Consumer complaint received 2024-03-27
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. (NC)

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights ; 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Consumer complaint received 2022-11-26
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

At issue is whether or not it is legally permissible for Peoples Unit ed Bank of Connecticut ( " People 's Bank '' ) to act without our permission or authorization to take money from our account because Peoples Bank assumed the funds belonged to the Social Security branch of the Federal Government. Also at issue is Peoples Bank failure to provide us with the Governments written instruction, as we h ave requested.      People 's Bank wi thdrew {$1500.00} from our account ( owned by  XXXX   XXXX  and  XXXX   XXXX   ) o n  XXXX   XXXX ,  2017  to satisfy a debt owed by  XXXX   XXXX   (  NOT a debt owed by  XXXX   XXXX  OR  XXXX   XXXX , the account holders from which the money was withdrawn ).  People 's Bank claims they had the authority to withdraw the money " because the government aske d them to do so. ''  XXXX   XXXX  and  XXXX   XXXX  are NOT a party to the debt claimed to be owed to the  Social Security Administration. We ha ve requested tha t People 's B an k provide us with the Government 's written instruction to withdr aw these funds - and they have ignored our request.     We have also demanded th at People 's B ank return our money - {$1500.00} - but they have ignored our request.
Consumer complaint received 2024-03-27
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to Capital One for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. Also an application for a XXXX/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

DID NOT WANT TO FIX BY PHONE NOR INTERNET.. i IT IS ALLMOST IMPOSSIBLE TO GET APPROVED FOR CREDIT AND ANYTHING XXXX .I DONT LIKE IT SO PLEASE REMOVE IT ....
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I seen charges on my account from XXXX I reached out to XXXX they told me they could not help me to contact my bank. I called my Capital One explain there were charges to XXXX I did not sue. Explain my identity was stolen I made police reports and the report through FTC. I then got a email stating they denied it. I called the bank they said they never got my emails sent them I sent over 3 times to the email address they gave me. I also notice when they put in the dispute they did not do all XXXX so then they open a separate claim. My claim was denied cause of other XXXX charges and IP address that is not mine. I sent them everything showing not my IP address sent 2 police reports also sent where someone open a credit card in my name and used XXXX there to and that card was in my favor. It makes no sense why one place says they were fraud and the other dont. I have explain on XXXX to XXXX the sup that there fraud department is not looking into this right. That those others charges were on a different claim and thats not my IP address. And there bank no matter what you send in to show its fraud denies the claim. I did everything I was suppose to do. They refuse to reopen the claim. I am told to call XXXX I said XXXX sent me a letter they will not talk to me or help me which I sent them the letter. I dont feel this bank helps the consumer with fraud. I have called last week and spoke to 2 supervisors and was told I would get a call in 48 hours never did. I ask for corporate office I am told they dont have a phone number. Based on laws I look up they are under violation there fraud department is not looking into this matter the right way. I had a total of XXXX charges of {$2400.00} My social security and driver license have been compromised. I have attach my documents supporting these transactions were fraud.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

I went into Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to deposit a XXXX checks on XX/XX/2023, that I received from XXXX XXXX XXXX, and XXXX check from XXXX XXXX XXXX XXXX total amount XXXX. I was told that they would place a hold on the XXXXXXXX XXXX checks until XX/XX/2023. The check was sent through the check reader, which was verified. My understanding under XXXX XXXX XXXX XXXX XXXX it states that XXXXXXXX XXXX checks are to be made available next business day, in which was told to the bank XXXX, which in return she said, they can place a hold on any check that they want to. I told the teller that I didnt want to deposit with them, so she did give my checks back, however I have a receipt with the hold times.
Consumer complaint received 2024-03-27
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 2023-02-07
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

i was going to pay usaa off charged off credit card that was XXXX back in XXXX of last year. they informed me that i could make a settlement offer for XXXX dollars. so the next time i called in, i found out my credit card account was sent to XXXX XXXX XXXX. i called XXXX  to make a settlement offer for half the balance of the credit card. they informed me that i would get some kind of letter of release and that my credit report would be updated to where it would say settled in full or settled for less than full. this is not the case. i have not received anything yet. now my credit report updated reflecting the balance paid but the account is still saying i owe money. it is showing that i owe half of what i already paid, which should just show no balance and settled. i called usaa and they said i have to wait 30 days to get a letter from them or XXXX.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Complaint Number XXXX On XX/XX/XXXX, I began an auto loan transfer to Capital One Auto Finance ( COAF ) for {$23000.00}. COAF paid the wrong bank, took them several months to resolve. COAF then began to report to the credit agencies that my payments were late, even though I was STILL making payments to original loan company. COAF then closed the account, when the transferred occurred, so I couldn't make payments. Then COAF created dual accounts for my car loan. Closed one account and entered it as " repossession '' into the credit reporting agencies, while I'm simultaneously entering into a settlement agreement on the same account which COAF reported as repossessed. On XX/XX/XXXX and XX/XX/XXXX COAF sent settlement agreements. On XX/XX/XXXX sent a payment due notice. On XX/XX/XXXX COAF sent a " default and right to cure letter '' AND on XX/XX/XXXX COAF also sent a repossession notice. If not for my CONSTANT CALLING COAF, they would have illegally repossessed the vehicle. COAF is now advising that I need to file a dispute with the credit reporting agencies, to correct their mistake of the two accounts. SUCESSFULLY RESOLVED. 

On XX/XX/XXXX, a year later... did the same thing AGAIN! COAF discontinued my autopayment, and on XX/XX/XXXX COAF released the lien on the vehicle. On XX/XX/XXXX COAF began to notify the credit bureaus that the loan had been settled. I did not request a settlement, nor did I agree to a settlement.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My Federal student loans were forgiven and discharged by the Department if Education. I submitted this information to all 3 credit bureaus and instead of updating my loan information to paid as agreed they deleted all my information regarding the loans. I have been trying to get them to put them back as paid as agreed but they have not done so and it has been affecting my ability to get any new credit and has been hurting me financially.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (HI)

I have a checking and savings account with Wells Fargo bank. Recently my savings account has been charged with XXXX XXXX monthly service fee and has been since six months back but only now its been posted on my account. I was never charged these fees six months ago and all of a sudden it posted on my savings account.