davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX Balance : {$770.00}
Consumer complaint received 2023-08-16
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-04
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. (GA)

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, fraudulent, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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 an account without my written instructions Equifax has reported incorrect information on my credit report. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted. Also Incorrect names and addresses
Consumer complaint received 2022-12-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

CFPB, you closed the complaint inquiry into XXXX XXXX company which I just recently filed, but the issue was not resolved. Please re-open complaint ID XXXX submitted on XX/XX/2022 as this company persist in false statements and threatening tactics. Please contact me immediately if you need any further information as I have already responded to the company 's response this morning.
Consumer complaint received 2022-11-03
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 (NC)

I have a card with capital one.My wife also is a account holder on this card.We purchased a pair of boots from a merchant called the XXXX XXXX.We received the boots and the co sent two left boots instead of a right and left.We made multiple attempts to this co to send the boots back but couldn't get any one to respond to ours calls.The phone would say this callers mailbox hasn't been setup.We also tried to send them a email on XXXX different attempts but got no response.We called our credit card co capital one and asked to do a chargeback for XXXX purchase in the amount of $ XXXXCapital one granted the chargeback on XX/XX/XXXX for $ XXXXThe merchant finally responded 10 days later and asked for pictures of the two left boots.I sent 7 pictures.The merchant said they couldn't tell by the pictures that I sent and That I need to send pictures of the boots side by side so the could see the heels.I did as the merchant requested.The owner of the store agreed the boots were defective.He sent this in a email but wanted me to remove the chargeback.This is 15 days later.I told him the matter was closed.I also offered to send the two left boots back but the merchant didn't want them do to having to pay shipping.I still have the boots.I noticed on XX/XX/XXXX the {$67.00} appeared back on my card and I was now being charged again for the defective boots.I called capital one and they told me the merchant told them the correct boots were sent.I faxed capital one a copy of the email that the owner of the XXXXXXXX XXXX sent me stating the boots were defective and a picture of the boots.The XXXXXXXX XXXX didn't send a invoice in the boot box but capital one told me that I had to fax them a letter stating no invoice was in the box.I did as requested.Capital one is now telling me that I need to take the boots to another boot co and get a written statement from another boot co stating that I have XXXX left boots and send them this written statement. I have never heard of such a request nor does it make any sense to me why I should have to do this last request.My case # is XXXXMy card number ends in XXXX.
Consumer complaint received 2022-11-03
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. (FL)

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. 
1 ) XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 2022-12-05
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-11-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a notification that Bank of America made a hard inquiry on my account. I did not authorize this inquiry nor do I intend to open a credit card with Bank of America.
Consumer complaint received 2022-11-03
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)

There are accounts being reported on my credit that are inaccurate and I do not give Equifax written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-11-03
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)

On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.
Consumer complaint received 2022-10-17
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. (AZ)

In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2020-08-23
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. (WA)

Letter was sent to Equifax dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Equifax then sent a verification of identity letter, which I did answer ( I also put a freeze on my credit report ) after verifying my information and applying the freeze on my report, Equifax Never answered 15 USC 1681n. I then sent a certified letter to Equifax regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Equifax could not locate a credit file. Equifax has violated several rights protected by the FTC. Equifax did remove some items on my credit report that were discharged in a  chapter XXXX bankruptcy BUT nothing further was done. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Equifax pay for violations, I ask that Equifax execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (GA)

I signed up for navy federal 1 week before I deposited a XXXX dollar check. Navy federal didnt restrict my account until I deposited my check into their bank. I visited them to deposit the check. I couldnt deposit it online so I had to go in. Then they closed my account down. Sent my check in the mail. Ive never experienced this before.
Consumer complaint received 2022-11-03
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. (NY)

The account in reference is my XXXX XXXX  Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows XXXX XX/XX/XXXX ] Issue 2 : Account numbers differ ( see attachment ) Issue 3 : Date closed details [ XXXX shows XXXX XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

Fay Servicing continues to increase my mortgage every year by using the excuse that my taxes and insurance are causing an escrow shortage. I in turn have purposely paid extra mortgage payments which means extra escrow payments so that my escrow account is not short this year. I was told that I STILL had a shortage this year of {$1200.00} which I paid on XX/XX/23 and now the NEW ESCROW ANALYSIS shows I have a SURPLUS of approximately {$64.00} but my mortgage payment has INCREASED by the AMOUNT OF THE SHORTAGE. This makes absolutely no sense at all. 

I have paid extra during the year AND the shortage amount and now they have increased my payment by the SURPLUS AMOUNT. 

I want this corrected immediately and I want this company to stop scamming me so that I have to make increased mortgage payments. My mortgage was {$1000.00}
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The account in reference is my XXXX XXXX  Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, Equifax shows XXXX XX/XX/XXXX ] Issue 2 : Account numbers differ ( see attachment ) Issue 3 : Date closed details [ XXXX shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, Equifax shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, XXXX and Equifax, although Equifax is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus TransUnion, XXXX and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.
Consumer complaint received 2023-08-16
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. (TX)

There is a collection account called eastern XXXX XXXX  on my report for XXXX  in the amount {$900.00}. I have reported this as a fraudulent account several times and they come back less than XXXX hours days its been validated. When I ask what was information was used to validate the debt and for a copy no one can provide me with the information. This is not my debt nor have I had service with this company.
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-11-03
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. (GA)

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the XXXX 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have XXXX now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, Experian and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.