davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (NV)

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX TransUnion XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXXy Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Consumer complaint received 2023-05-14
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. (PA)

Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from XXXX XXXX XXXX to have anyone published at all.
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-05-11
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)

I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-05-24
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. (OH)

Have no knowledge of this account, XXXX XXXX  ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-05-11
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a promotional offer on my mobile app for a credit card. Part of the promotion included the waiver of the annual fee of {$95.00} for the first year. The card offered other benefits that were attractive such as credits towards XXXX pre check, more points on my purchases, and XXXX points if I spent a certain amount within 3 months. I bank completely with BOA and I liked the offer. I applied and the first thing I see is a {$95.00} annual fee assessed to the card. I called and the said they would research. They sent me a letter to call and when I did they denied the reversal and said they had no such promotion. I feel deceived. I didnt take a screenshot but I shouldnt have to. I just wanted the offer as advertised.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (PA)

good faith estimate changed 3 times and interest changed right before closing. My funds to close went from XXXX-XXXX then to finally close with the total needed XXXX need to know why on a low money down loan with 6 % seller assist I needed that much money to close and why I did not get credit for the appraisal I paid for when I was told that I would. I feel that Quicken loans overcharged me by XXXX and changed my interest rate from 3.85 to 4.125 when they claimed the lock in had expired. This loan was a nightmare to close and almost cost me the sale of my mobile home and the purchase of this house in the process.
Consumer complaint received 2023-01-02
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NY)

On the XXXX of XX/XX/2022 I wrote and mailed a check for {$100.00}. It was stolen and copied, my signature was forged and the check was made payable to a " XXXX XXXX '' for {$28000.00}. It was not endorsed but was cashed by said individual. My bank deducted {$28000.00} from my account. After my bank reported this to me I filed a police report for this larceny.
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: Experian Information Solutions Inc. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Kindly update the following items that are affecting my credit : 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
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One processed my payment of {$460.00} to XXXX XXXX XXXX  on XX/XX/2020. The hotel canceled my reservation but never refunded the money. The dispute was filed for this charge in XX/XX/2020. Capital One refused to refund the money siding with the merchant on the ground that the merchant will provide the voucher for future stay with them and the booking was non-refundable. The voucher was a hand written paper that I got in the email from the company XXXX ( this company processed the booking ). The hotel is permanently closed. I tried to reopen the dispute. Capital One provided a link to upload the support documents. The link gives a message that Capital One are unable to upload my documents. Calling the bank customer service ends up in disconnected calls. 
The issue is that I did not cancel the booking. The booking was cancelled by the hotel due to COVID restrictions. The screenshot the hotel provided was cancellation form the hotel sent to the booking company. I never asked the hotel or the booking company to cancel my reservation. I have correspondence between the booking company, the hotel and myself to proof it. 
I provided all this info to Capital One in 2020. Probably, nobody bothered to read it. 
Did the hotel provide the proof that booking was cancelled by me? I submitted the proof that that booking was cancelled by the provider of the services. 
According to Capital One, hotels can sell non-refundable reservations, cancel them and keep the money. 
On what basis I was not provided a credit back to my account for services not provided? 
On what basis the hotel got to keep my money for the reservation they cancelled? 
The hotel got permanently closed in XX/XX/2020 and is out of business. 
I request Capital One to reopen the case and refund the charge. 
Regards, XXXX XXXX
Consumer complaint received 2023-07-12
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-04
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. (VA)

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate 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 investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (OH)

This is my NUMEROUS request that I have been a XXXX XXXX XXXX XXXX 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-02
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law.

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I am writing to complain about the unethical sales practice of this financial institution. 
I opened my account when it was Onewest Bank with the banker, XXXX, at the XXXX branch to help with her deposit goal a couple years ago. During account opening, I asked if there would be fees on the account and she told me not to worry about it. I never received bank statements for this account and thought she would take good care of my account. Last XX/XX/XXXX, I thought of using the remaining funds in this account for property tax payment. 
Since I lost my access to online banking after the merger, I called Customer service to try resetting my online banking. There was a system issue and the person on the phone was not able to reset online banking for me. Instead, he provided me the account number and routing number so I can use the account for ACH payments. I confirmed with him that my account would be fine/no fee after the tax payment of {$10000.00}. 
After several months, I decided to use the account for a card payment on XX/XX/XXXX. To verify if the payment applied, I called customer service again on XX/XX/XXXX. The representative helped me reset online banking and I noticed there are multiple XXXX XXXX/monthly charge on my account since XX/XX/XXXX. After an hour of research by the phone representative, she finally found out the charges are costed by the balance requirement. She agrees that the charges are not ethical and should be taken care of but unfortunately, she has no access to service this account as Trust account must be handled by the local branch. 
Since the XXXX branch is closed after the merger, I went to the XXXX Branch and spoke to the bank representative. She mentioned that there is no authority limit to credit these fees and sincerely apologize for the how unethically the banker setup the account. She spoke to the branch manager and suggested me to send her an email regarding the complain. I sent her the email regarding the fees on XX/XX/XXXX and I thought someone would handle it. I waited over a month and decided to go to the branch and close out the account today. 
These fees should never occurred if my online banking does not have issue due to the merger and how I did not have access to my account since the merger occurred. When I called customer service, I would expect he would be knowledgeable to explain the account requirements/possibly down grade my account so these {$300.00} in fees would not happen. The local branch should be handling the complain and escalation since XX/XX/XXXX but no one at this bank cherish a client relationship but opening account unethically to meet their goals. I am super disappointed how First Citizen Bank handles legacy OneWest Bank account and glad that I would never do business with this bank.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that Portfolio Recovery LLC, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.