davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$80.00}, XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Credit 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: WELLS FARGO & COMPANY (CT)

On XX/XX/2023 I took my finance to purchase an engagement ring at XXXX XXXX. During the process not once did they say we were looking at lab grown diamonds. When we decided on a ring the salesman said the individual that does the certification had gone home early and he would send me the certificate. I had the ring in my possession so wasnt sure how they could certify a diamond I was in possession of. The next 3 weeks I kept calling XXXX XXXX asking for the certificate. The salesman said they sent it and it must have gotten lost in the mail twice. At this point I started getting a feeling I was a victim of a fraudulent diamond purchase. I called them again and insisted they send the certificate or I would dispute the charge for a refund. The sales man immediately text me a picture of the certificate. When I saw the certificate, I knew immediately it was from a dubious company. They sent me a certificate from XXXX but the legitimate diamond certification company is XXXX. They mix the letters around to make it look like XXXX. It was at this point that I saw the diamond was a lab diamond. I immediately asked for a refund and was denied. I took the diamond to a jeweler to get a true evaluation of the ring I had. He looked at the diamond under a microscope and wrote down the lab I.D number XXXX with an XXXX logo, which was not on the dubious certificate XXXX XXXX sent me. Apparently the lab has the diamonds certified before the sell them to be sold. The gemologist looked up the I.D . Number and found the lab certificate for this diamond on the XXXX website, which is a legitimate diamond certification company, one of the top three. He evaluated the XXXX certification and agreed it was accurate and the XXXX XXXX XXXX XXXX  sent was inaccurate. I will attach copies of this evidence. I tried to dispute through my credit card company but the denied it because I signed the sales receipt. I signed the receipt under the assumption I was getting what they said. I provided them with solid evidence. I am a victim of fraud and would like to return the ring for a refund.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX my fees they are not wave if I go under a 100 I can't go under a 100 dollars an I do direct deposit An they charge for money orders XXXX dollars
Consumer complaint received 2023-02-16
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. (LA)

Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian DELETE the XXXX XXXX XXXX  account from Experian consumer report due to FCRA violations. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ). 

I have already disputed the XXXX XXXX XXXX account several times in the past, so, therefore Experian does not get another 30 days to reinvestigate a previous dispute. 

According to the FCRA Experian was required to conduct a reasonable reinvestigation of the disputed information as I requested per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. ACDV form is not sufficient as per the above sited laws. 

On XXXX XXXX, The Eleventh Circuit Court of Appeals ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law.

Experian has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness.

EXPERIAN has not conducted a proper reinvestigation of my disputes as mandated by the FCRA. EXPERIAN has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE.

EXPERIAN is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 

Please DELETE the XXXX XXXX XXXX account immediately due to FCRA violations.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, Ga XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXXXXXX XXXX it's also a closed account and XXXXXXXX XXXX  and it also is a closed account all of the inquiries have been removed from XXXX but not Equifax and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.
Consumer complaint received 2023-06-06
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. (MA)

XXXX XXXX  claims that I applied to these credit cards without proving to me that in fact it was me who completed those applications, I filled an identity theft report and the inquiries are included on it. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

They are also telling me that a third party is disputing these, when in fact it is me that is disputing the inquiries. 

I have included the letter that XXXX XXXX  sent me.
Consumer complaint received 2023-04-18
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (PA)

We completed an online application at Cit Bank for a " high yield '' savings account on XXXX XXXX, XXXX. We immediately received an email stating that they needed additional information, but did not indicate what information they needed. The email indicated that they would contact us by phone or email to let us know what they needed. We didn't hear anything else from them until XX/XX/2022, when we received an email stating that they declined our request to open an account. 

I called customer service number on XX/XX/2022 to ask why they would not open the account. I was informed that they would not ( and " did not have to '' ) provide the information to me over the phone. The customer service representative said we would receive a notification in the mail. As of today, XX/XX/2022, we have not received the notification with the reason for the denial. 

In the meantime, we reviewed a copy of our XXXX reports, and there is nothing negative on the reports. I think we have a right to know the reason we were denied an account. Further, I am concerned that the high APY advertised was used as a bait and switch tactic to gain access to our personal financial information and review our credit reports for their own marketing purposes.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court located at XXXX XXXX, KY XXXX. I mailed a letter certified to the whom they advised reported this information and the letter was retuned as undeliverable. They did not provide a name or a number for the reporting agency so I researched and found a number to make contact. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.
Consumer complaint received 2018-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

So, I apply for a credit card and get denied by Capital One Bank N.A, so then I called them after 37 days because my credit went up and said tried to apply for it again and I got it! But, after a couple of days my credit went down significantly because I see some credit inquiries that I did not authorize. I tried to talk to representative but, they would really speak to me about this and said we are not responsible and would keep asking is there anything else you need help with and just then they would usually cut the phone on me. Now I dont know if they shared my personal information, or anything, but I would like for an Investigation to occur.
Consumer complaint received 2023-05-08
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. (TX)

so this issue has been going on for a few years now i have disputed multiple times now for incorrect information on my credit report and for them to validate the information that is on my credit profile. at this point its complete fraud and defamation of character. because of the incorrect information reporting from account XXXX i have been homeless and not granted credit worthiness. how can this be a open account and a collection account at the same time? actually i see that they also have it marked as a charge off account my question is under the fcra your suppose to report information as a 100 % accurate how is that even remotely possible. can you even be sure this account is even mine because after multiple attempts of asking for validation i have yet to recieve any is this how the credit agency handle consumer information and arent there laws in place to protect me from this type of fraud? i have been homeless. hungry and unable to fully take care of my small children because of this mistake that these companies seem to not care about below are the laws the have violated the above company has violated my rights and continues to do so. 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 2024-03-26
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 (NJ)

After reading docket XXXX, I reached out to Bank of America for information and to see if my account had been affected. There were only automated responses and when I called to speak to someone, the customer service representative said they would note in my file that I called and someone would contact me to review the issue, that was in XXXX of XXXX, I never heard back from anyone. I since went through all of my bank statements dating back to XXXX to review the NSF fees that were charged to my account and not reversed. From reading the consent order for this matter, it seems that BOA should have contacted all affected customers and paid back these fees, however I have not heard from anyone from BOA and was not notified that this money would be returned. It is a substantial amount of money that is owed. How do I obtain information on the status of this order?
Consumer complaint received 2023-02-15
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. (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 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. 16818-2 ( 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-04-18
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 reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$730.00} XXXX XXXX Date Opened : XX/XX/16 Balance : {$350.00}
Consumer complaint received 2023-04-18
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. (MD)

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 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLLECTION, 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, I do not open any account with this company.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CT)

Transworld Systems claims I owe o n account ending  XXXX , formerly with  XXXX   XXXX . The charges on this account are fraud, it was paid off  at one poi nt, a family member then used the card for several online purchases. Prior to account being charged off, sent  to Transworld Systems, I wa s paying on account in the amount of  XXXX  a month. Despite the fraud activity, I was attempting to make payments. Once it was charged off, auto-pay was stopped. I refuse to continue to make payments for fraudulent charges
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (NJ)

I was trying to refinance my home with a new lender, and during this process we found out that we needed to have the Covid relief HUD partial payment paid off before we can refinance. Unfortunately, our current lender Midland Mortgage never claimed the partial payment from HUD and due to this negligence I am now not able to refinance my home before the new lender rate expires. 
I have contacted HUD, who stated that Midland never claim the partial payment and they have no record of such lien. I have tried resolving this issue for several weeks now and just keep getting the round around from Midland Mortgage. I have spoken to several reps and supervisors ( rep XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Loss Mitigation supervisor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all I get is lies. They claim that they submitted the claim in XXXX but HUD has no record. They claim that they don't know what happened and that the claim is " in limbo ''. REALLY!! Then they claim that they were having problems processing the claim with HUD.???. Today XX/XX/2022 after several weeks OF LIES now they claim that upper management is working on it. I am unable to refinance my home and have lost the rate with the new lender due to the incompetence and negligence of Midland Mortgage.