davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-13
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. (IL)

On XX/XX/2020 I received notice that a dispute that I had previously submitted for inaccuracies was completed. The notice that I received from Experian stated that the 2 companies ; XXXX XXXX and XXXX XXXX was not listed on my report. I called Experian and inquired about this issue and they assured me that it has indeed been deleted.
Consumer complaint received 2023-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.
Consumer complaint received 2023-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (CA)

In XXXX of 2005, we took out a Line of Credit for XXXX. Later that year we refinanced our First. XXXX was supposed to pay off the Line of Credit. Now 18 years later, we find out the Line of Credit was never paid off by XXXX. Now, the company holding the Line of Credit loan wants {$170000.00}. We have not heard from this company in 18 years. We have never made a payment to this company, since we thought it was paid off. 

We live in CA, our house in worth approximately {$500000.00}. Our First is {$160000.00}. We are current on our First. Now that this company found out we have so much equity in our house they are threatening Foreclosure. The Company that holds the note is Real Time Solutions.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Card was stolen. My debit card was used for a transaction on XX/XX/18 amount of {$190.00} I contacted my banking institution to resolve the issue their reasoning for a decline in the dispute is because the chip was used for the transaction
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$29000.00}
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. (TX)

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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A 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 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 USC 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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX of XXXX, my personal services was required and I was payed by different people a total of XXXX in oayments fo XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 

Since the payment was sent under the name of the person and not my actual name by accident due to a form error, captiol one has held this money in my account providing interest for going on 3 yewrs without letting me withdraw the funds. 

Therefore, Iam seeking to have the withold removed to reclaim my lost money, which i paid taxes on, have to report for my debt to income ratio as well as have been denied benfits for having an account under my name have over XXXX in it. 

Capitol One after three years of holding my money on an account which had no request by an of the people to return the funds, cancel the payments or file a dispute has insisted to claim i am a criminal and hold the money i definitely and it is current XX/XX/XXXX and it has been in that account for them to use to gain interest since XX/XX/XXXX.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Its been awhile but it was around 2010 they would let amount go through even if I didnt have the funds.Didnt even notified me I wouldnt fine out until following month.I got paid twice a month but yet I would use my debit card and the fees would rack it up to the hundreds of overdraft fees, I talk to them about it and they told be to sue Better checking of my account myself. I work on it for about couple months it still went on so I just close the account. I received a personal check from a customer so it was drawn on Bank of America so I went there to my unknown that I still owed money they took more than half of my check about {$500.00}
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a check in the amount of XXXX into my bank of America account on XX/XX/2022 the bank was made out to me from another Bank of America Customer. Bank of America placed a 11day hold on the Check for no reason. I am a victim of a natural disaster and are in need of those funds and there is no one that can help or explain why this has happened.
Consumer complaint received 2023-04-22
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. (GA)

In accordance with the Fair Credit Report Act XXXX, AccountXXXX, Creditor : 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 an account without my written instructions. This account is fraudulent account, I do not open any account with this company.
Consumer complaint received 2022-10-17
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)

Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.
Consumer complaint received 2023-06-27
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. (MO)

XXXX and Experian continues to report the wrong negative information, I have called numerous times, I called in XXXX to request to speak with a Supervisor, I was told that one would call me back, It's XXXX and Im still waiting, I have disputed items and they continue to report that I am behind, when I am not late or have any missed payments recently but they continue to report late payments Experian continue to report that my Mortage is late, which it has not been late
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (FL)

Unifund llc is reporting a debt that they must have bought from another company and was not aware that this debt was removed from any reporting under my name as this acct was opened as fraudulent under my name. This acct is not mine and that's why it was removed prior. Now unifund purchased this debt and it is un lawfully reporting as collections .. please remove immediately I have also sent the company a letter and copy of ftc report.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is reporting a insured card account with a balance of XXXX dollars unpaid, and that account appears to have been closed for more than XXXX  years. If it was insured, it should not have a loss balance and the Bank never notified me of anything about it. this.
Consumer complaint received 2023-11-10
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. (VA)

I am writing to formally dispute and request the immediate blockage of inaccurate information on my credit report that is a result of identity theft. I recently attempted to apply for credit and was denied, prompting me to review my credit report. Upon inspection, I identified Three ( 3 ) unauthorized accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The
ft and FCRA Violation : I have diligently tried to dispute these accounts directly with the creditor, XXXX XXXX XXXX. Despite my efforts, they have been unable to provide any evidence or documentation proving that I am associated with these accounts. As such, I am left with no choice but to believe that these entries are a result of identity theft. 
Furthermore, I did not provide any written permission, as required by the Fair Credit Reporting Act ( FCRA ), for the inclusion of the identified transactions on my credit report. As such, I am formally requesting that you block the reporting of this information as it is not related to any transactions initiated by me, the consumer.

Request for Blockage : Pursuant to FCRA Section 605B ( 15 USC 1681c-2 ), I kindly request the immediate blockage of the aforementioned unauthorized accounts from my credit report. This section explicitly states that consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft.

Supporting Documentation : Enclosed with this letter, please find a copy of the police report I filed regarding the identity theft. This documentation serves as proof of the unauthorized nature of the accounts and supports my request for the blockage of this information from my credit report.

I expect your immediate attention to this matter and request confirmation once the blockage has been implemented. Additionally, please provide me with a free copy of my corrected credit report after the changes have been made.
Consumer complaint received 2023-08-09
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. (OH)

XXXX XXXX has been reported to Experian in the amount of and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( XXXX ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection from my Credit Report.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (AZ)

Complaint against U.S. Bank for failure to abide by Arizona State Law ( XXXX. XXXX ) that Revokes any revocable : ( a ) Disposition or appointment of property made by a divorced person to that person 's former spouse in a governing instrument and any disposition or appointment created by law or in a governing instrument to a relative of the divorced person 's former spouse. 

I have contacted the bank by certified letter explaining the situation and asked for their prompt attention to this matter to which there has been no response. The bank seems to be unaware that they need to follow this law. 

I have explained my situation to numerous people in person at numerous bank locations, spoke with numerous people on the phone, asked for contact information for their legal department which they refused to give me, and sent a certified letter to the bank ( which I know they received ) explaining the problem and expected resolution and there has been no action taken or communication of why they can not resolve this matter. 

The bank has been notified of the divorce between XXXX XXXX XXXX and XXXX XXXX and needs to remove XXXX XXXX as a beneficiary to any accounts held by XXXX XXXX XXXX. 

If you have any questions regarding this complaint, please contact me. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (MD)

I had opened a SoFi account in XXXX and decided i was gon na use it later with the promo they have going on ( when you refer someone to them, you get a bonus and the other person who signs up under your referral link gets one too i believe ). I would log in a couple times over the month but I didnt know to how to access my balance for a while until last week when i could really understand how the XXXX works and realized that whenever i would refer someone and i get the money, the money would be taken out at a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I am not from XXXX XXXX  at all, i'm stationed in XXXX and dont know anyone from there. I didnt even get the chance to use my account or use my card before XXXX fraudulent transactions were made on my account. I contacted SoFi and the guy on the phone apologized for what happened and REASSURED and PROMISED me that I was getting all my money back and that he was disputing all of the charges. A couple days later, I get a update on all the disputes he made and all my disputes were DENIED but I dont understand because the transactions were originated from XXXX XXXX and thats not where I am so where were these transactions authorized and have no error?? Ive attached some of the many fraudulent transactions
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

In XXXX I had a mortgage with Cardinal Financial Company. My mortgage at this time was escrowed for both taxes and insurance. In XX/XX/XXXX I refinanced my existing mortgage through Cardinal Financial Company for a loan that did not have escrow. During my loan process the month prior my payoff was ordered. In that same month my Insurance was due to be disbursed from my escrow account. My Insurance was not paid out as it should have been as the policy renewal date was XX/XX/XXXX. I was not made aware at the time of closing or even prior that my insurance was not paid out of my escrow in XXXX and that my renewal for XX/XX/XXXX needed to be paid by me for the XX/XX/XXXX-XX/XX/XXXX policy. This in turn caused by policy to lapse for 12mo causing me to have to purchase a worse case policy ( $ XXXX/Yr ) vs. the premium policy ( $ XXXX/Yr ) that I had. 
I reached out to Cardinal Financial Company in mid-XX/XX/XXXX once I found out my policy cancelled due to non-payment despite my account being escrowed. Initially I was told by the Insurance Department of Cardinal Financial that they did not get an invoice ( my further research found that was false as the insurance premium amount had been updated in their system to show the invoice amount for the renewal policy ). I was told that since I refinanced I should have paid it when my escrow was returned to me ( Issue with this : My insurance was due XX/XX/XXXX and I did not close on my refinance until XX/XX/XXXX - the insurance should have already been disbursed and paid by escrow ) ; I was also told when my payoff was ordered they netted my escrow from the payoff amount so all escrow payouts were froze ( I did not request this ) ; I received a letter in the mail this past week referencing my new loan and was told that their records show my insurance was good through XX/XX/XXXX and I needed to reach out to my new servicer ( False : They admitted in a conversation I had with them that they received a Notice to Cancel the day before I closed on my refinance ( XX/XX/XXXX ) - They still never said anything ) ; The last conversation I had with them they said that once a payoff is ordered they stop all escrow disbursements for 45/days and I was notified of this however could not tell me when or how I was notified ( I reviewed all of my closing docs that I signed and never signed anything about this. The only notice that was provided at close was my settlement statement that indicated I needed to cover my property expense going forward which I was aware of as I no longer escrowed ).