davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-20
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 (NJ)

XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-03
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. (NV)

I reviewed my consumer reports and noticed account that was reporting inaccurately that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 and XX/XX/22. Please investigate and provide proof with verifiable statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-08-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

My husband is XXXX XXXX military, retiring form the XXXX, and we were applying for a VA home loan at Navy Federal Credit Union. We received a pre-approval letter by them and started looking for a property. We put several offers on multiple properties and finally were able to get one under contract after a lot of work. Navy Federal Credit Union asked for fianancial documents and we submitted them. We really wanted this property after the long road to find it. Along the way the bank told us that underwritting declined our loan. I asked why and they said that they only taking into account my husbands retirement income and not his XXXX XXXX income ( he has more than 12 months left and other loan officers had said he could use his XXXX XXXX income ). Also because our high debt to income ( DTI ). Since we were desperate at this point I inquired about other loan products and my loan officer said he could not help me. He did not care. I asked him if we don't qualify for the XXXX XXXX loan we were asking for, then what is the amount that we are allowed? We could have searched for a smaller property? He said he did not know. He just wanted to brush us off. Also along the process, they ran our credit score twice. Once at the beginning and once toward the end. Their sevice is limited and only respond during certain times. There is no customer service or empathy. We lost the deal and are extremely dissappointed with the outcome of our experience.
Consumer complaint received 2023-09-05
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. (NY)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-12-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (SC)

My wife went on unpaid XXXX XXXX in XX/XX/2022. I advised the loss mitigation department that I would be having trouble making the payments for the 3 months she was out of work. I've tried multiple times fixing the issue with loss mitigation and the process keeps getting started over. As of now i owe {$4300.00} and have been making on time payments since XX/XX/2022 XXXX
Consumer complaint received 2023-08-20
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. (MA)

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 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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (TN)

On Friday, XX/XX/XXXX, I went to First Citizens Bank in XXXX XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX. I requested to speak with XXXX XXXX due to the fact that I had dealt with him previously about trying to open an account for my XXXX in XX/XX/XXXX. I actually should have went off the outcome of that interaction because I was told they had to have a SSN to open an account, which a SSN is unlawful to ask for, however, I went ahead and went back because I was looking to open a personal account this time and the interaction wasn't all bad. On Friday XX/XX/XXXX, I went to XXXX again. We chatted, I asked several questions about the account and the services offered. He advised it would be {$50.00} to open the account. I agreed and told him I'd be back once I had the {$50.00}. We actually were laughing and joking as I was on my way out the door. Monday, XX/XX/XXXX, I went back to open the account and asked for XXXX again. Before I could even sit down, he tells me they could not open an account. I asked why and he claims that he spoke with his 'higher ups ' and they concluded they are choosing not to open an account for me. I'm pressing the issue because XXXX is talking in codes and not trying to say what the actual issue is. As I keep pressing because I tell him I'm not satisfied with what he is telling me, he says because of the issue with me trying to open an account for my Trust in XX/XX/XXXX and the complaint that was made because of it ( I never made a complaint which I should have ) and the questions that I was asking him about opening a personal account, the bank made the decision not to open it based on those factors. I asked what the questions being asked had to do with anything. XXXX proceeds to give me a bogus answer about " things that have been happening at the banks within the region ''. I asked him what things and he continued to give cryptic answers. I tried to get an understanding before I left as to what the real reason was for him not opening an account and I left confused with no answer. I don't know what XXXX thought I was trying to do with my account with the questions I was asking but, I was just trying to open an account because I didn't have one at the time. I feel completely discriminated against and don't know why I was treated in that way. My sister was with me and she gave him some things to read the Friday we were there and he did say based off of the federal laws he read, part of the decision was based on that. I was denied my right to conduct business for personal, family, and household purposes. I feel totally discriminated against by XXXX XXXX and First Citizens as a whole and I want answers as to why I was turned away.
Consumer complaint received 2023-06-05
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-29
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. (FL)

Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as Equifax. I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which Equifax is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which Equifax is not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I havent been able to link my bank account with PayPal Credit ( synchrony bank ) for two years. The only way Ive been able to make payments is by calling customer service or transferring money to another bank, resulting in late payments.
Consumer complaint received 2024-04-03
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. (PA)

Compliance with FCRA 605B entails the deletion of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts exhibit inaccuracies in terms of reporting, erroneous amounts, and dates.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My complaint is against Bank of America. They have not answered the request sent to them from my bank, XXXXXXXX XXXX in reference forged and illegally cashed checks that Bank of America accepted. 

I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. 

The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. 

The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. 

On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called XXXXXXXX XXXXXXXX XXXX  required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) XXXX received all required information to get my money refunded no later than XXXX XXXX XXXX XXXXXX/XX/XXXX. 

As of XXXX I still havent received my money. XXXX told me they contacted Bank of America in regards to the illegally cashed checks because the criminal who stole my checks cashed them through Bank of America. 

Bank of America allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Bank of America cleared the checks. I believe an employee at Bank of America knows the people who illegally cashed my checks. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. 

Anything you can do to help me get Bank of America to reply to XXXX XXXX in reference to my stolen checks so I can get my money would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NH)

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.
Consumer complaint received 2024-04-03
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. (GA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX  XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-08-20
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. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2022-12-05
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. (MO)

15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account name : XXXX XXXX  Account # XXXXXXXX XXXX  Account name : XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Thank you in advance
Consumer complaint received 2023-09-05
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. (NY)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (NH)

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 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 2023-08-20
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: Experian Information Solutions Inc. (NH)

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 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/XXXX and XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.