davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (NY)

I am submitting this CFPB Complaint to bring to the Credit Bureaus ' attention the presence of fraudulent accounts and inaccurate information on my Credit File, which is causing significant concern and distress. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these erroneous items in accordance with FCRA section 605b. It has come to my attention that there are accounts listed on my Credit File that were opened fraudulently. I believe I have fallen victim to identity theft, and I have taken the necessary steps to report the issue accordingly. Enclosed with this letter, you will find the required documents, including an ID Theft Report, supporting my claim and providing evidence of the fraudulent activities associated with my credit profile. I request the immediate deletion of the following items completely from my Credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I initiated a balance transfer on XXXX XXXX XXXX transferring {$440.00} from my Capital One credit card to XXXX credit card. Only XXXX XXXX XXXX the balance transfer was completed by XXXX and the {$440.00} was added to that account. Today XXXX XXXX XXXX I still see the balance on my Capital One statement as well, I called customer service and they claim they don't see any transfer to XXXX. As of right now the {$46.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest. The transfer appears on XXXX 's end, the problem appears to be with Capital One
Consumer complaint received 2024-04-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am not liable for this debt with XXXX. I do not have a contract with Jefferson Capital Systems LLC, they did not provide me with the original contract as I requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (CO)

Both my husband and I were tremendously impacted by the pandemic Covid. As I understand it this is considered a natural disaster. Not only did I lose over XXXX XXXX of my income but my husband was also diagnosed with stage XXXX XXXX XXXX in XX/XX/1920. With mounting medical bills and a lack of income we have done our dead level best to stay current with everything that we have. It seems that accommodations have been madev for most on their credit reports however ours seem to be impacted. We have been consistently in contact with our creditors and paying as much as we can. I would certainly hope that there is some sort of compassion for the pandemic and a life-threatening illness where these remarks can be removed from our credit scores or our credit bureaus so we are not so severely impacted. I am attaching a picture of my husbands diagnosis with the XXXX XXXX  that were found On his colon after a clear XXXX only XXXX year before. He had done all the pre-requisite screening and the doctors are amazed by the anomaly of my husband having a stage XXXX XXXX XXXX with a clean XXXX  a year before. I would appreciate any help we can get
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a previous customer representing a company using Bank of America. I noticed one day XX/XX/2023 I wasnt able to login on the app to check balance. Then I went to the near branch office and was instructed to call Bank of America and learned the account had be closed. And that I wasnt able to withdraw funds after account had been closed. I reached out to bank several times asking to release hold of funds. Due to the fact I have bills coming up and a family member dear to my XXXX with XXXX  XXXX XXXX. I ask the bank to at least let me withdraw my funds and we go out separate ways but Bank of America is refusing to release my money after me pleading that I have bills and a close family member fighting for their life. I view this matter as being bullied by a monster and would definitely NOT recommend anyone to bank with a greedy selfish monster. I believe this is a hate issue and a slap and spit in the face to me and the XXXX community. Its not right and is very unfair and selfish and definitely unjustified. If a job has to pay money owed after firing someone why is it a bank can hold money on a account they have CLOSED without any of my acknowledgment
Consumer complaint received 2022-10-24
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: 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 te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  XXXX 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 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 2023-08-01
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. (NY)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

To Whom It May Concern : In XXXX of XXXX, I purchased a few items for my sons from Macys Childrens for around XXXX dollars and was pressured at the time of purchase to open/use my Macys credit account to make said purchases. The sales clerk was quite adamant and aggressive that I use the Macys account and offered a small incentive to do so ( 10 % discount ). I felt pressured to use a Macy 's charge account. 

I missed the bill when it came in XX/XX/XXXX, and I did send my payment late via online bill pay through my bank at that time. 

In XX/XX/XXXX, I received another bill from Macys that did not reflect my payment with an additional late fee and a no payment fee charged to my account. I called on the account at that time. I spoke with a very kind customer service agent who told me that my payment had been applied to my husbands Macys account ( there was no balance on my husbands account ). Somehow, the funds had been misapplied to my husbands account, not mine. I dont know if XXXX XXXX  or Macys was responsible for this error. The agent was able to apply those funds from my husbands account to my account. I agreed to pay for one late fee as my payment was late. However, I did not agree to pay for a second late fee nor did I agree to pay the no payment fee. I asked her to waive these fees. The agent said that she was not able to do that ; she said that I would have to call back the next month to dispute the late fee. 

In XX/XX/XXXX, I received a bill from Macys for an amount of around XXXX dollars. I had been charged an additional fee for my no payment of the second late fee in addition to a no payment fee. I was very frustrated with Macys at this point. Macys had payment for all the items from XX/XX/XXXX in addition to one late fee for which I had already paid. I called Macys customer service in XX/XX/XXXX when I received this bill. The customer service agent at this time was overseas, and it was difficult to understand what they were saying. I explained the situation to them and asked them to waive the fees ; they refused to do so. 

I called again in XX/XX/XXXX and XX/XX/XXXX. Each time, my calls were with customer service agents overseas ; we had clear difficulty communicating. On both occasions, I asked to speak with managers who were unable to help me or waive the fees that had begun to accrue to my account. 

At that point, I gave up and hoped this situation would just go away. Macys received payment as well as a late fee payment. I paid for ALL OF THE GOODS that I purchased, and I paid for one late fee that resulted from my late payment. Additional late fees accrued to my account based on a payment application error that was not my fault. I refuse to pay for those fees. 

Macy 's has turned my account over to a debt collector : XXXX XXXX XXXX. They are saying I owe them {$390.00}. This has negatively impacted my credit. I am so frustrated by this whole situation.
Consumer complaint received 2022-12-06
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. (MI)

My name 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 2021-02-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Hello, I was seeking a company to refinance my conventional home loan into a VA loan.. I have run into several issues culminating into me asking for a supervisor 's contact 6 times and not being provided that information. 



Throughout this process, 1. I informed the lender that we were looking to refinance our conventional loan into a VA loan to use our benefit and reduce our monthly mortgage payment. I informed him that the reason we were not refinancing with our current lender is because they said they'd prefer that we waited 6 months before refinancing and we wanted to use our VA loan benefit sooner. The Amerisave lender, XXXX, said it would not be a problem, so we proceeded with the refinance application. 

2. The incorrect borrower was placed first despite me informing the loan officer that I should not be on the VA loan documents. He said, " don't worry, we'll fix it later. '' After that delay, 3. He realized he processed the incorrect loan type despite me explaining upfront that we were going from a conventional loan to a VA loan. He said it wasn't a problem.

4. Once the co
rrect loan with correct borrower was complete, he then realized that the rate I was initially offered was not close to what was currently offered. He said not to worry because we'll float and he'll get us a better rate before locking it in.

5. Now, he tells us the process is delayed to XXXX because we need to wait the 6 months that I originally told him we did not want to wait. 



In order to address these issues, I asked repeatedly for a supervisor 's contact and was ignored. I called the customer service number on the Amerisave website, was connected with an agent who said they would put me in contact with XXXX 's supervisor. He asked if I wanted XXXX to call me back. I said no. XXXX then called me stating that the agent informed him that I was calling asking for his supervisor. He would not provide me the contact, so I requested to cancel the loan with the company. He then said, " ok '' and hung up. I emailed confirmation that I would like to cancel. He then called twice and texted me. I asked via text again for a supervisor contact and he would not provide it. 



It seems the company made whatever promise they needed to get us to apply for the refinance, then the rate and ability to refinance sooner were not delivered after a 2 month process.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (NC)

Inquires I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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. (NV)

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, 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. NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Agency.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-08-01
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-01
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. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$6800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion to XXXX that these inquires are reporting incorrectly Never gave permission to hit my credit.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has come to my attention, that XXXX XXXX, has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$910.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2022-10-24
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. (OR)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (GA)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RECENTLY, I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED, INACCURATE AND QUESTIONABLE ITEMS THAT YOUR AGENCY DIDN'T MAKE SURE IT WAS REPORTING 100 % CORRECT. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15 U.S CODE 1681e ( b ) and 15 U.S CODE 1681i ( 5 ) THIS BANKRUPTCY, PUBLIC RECORD WAS REPORTING 100 % INACCURATE. 

RESULUTION : As a consumer by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the bankruptcy listed in my dispute letters attached. Thank you.