davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been depositing the same checks from the same reputable company for almost a year, every time I deposit this check, its put on hold and Im not able to access my funds because the bank states its suspicious. This is extremely discriminatory and offensive. I am not able access the money for around a week after I deposit the check. The funds have always cleared and Im still being treated as a suspicious person depositing questionable checks for almost a year with no valid reasoning.
Consumer complaint received 2022-11-29
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. (NJ)

No one has assisted me in filling out this form. 

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 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 XXXXXXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to contest the existence of false accounts listed on my credit report. Despite previous attempts and provided evidence of identity theft, these inaccurate entries persist. It is my understanding that failing to rectify this situation violates regulations governing credit reporting. 
I kindly ask for an urgent investigation into these accounts and their removal from my credit report, as mandated by the law. Your swift attention to this issue would be greatly valued. 
XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (GA)

To Whom It May Concern, I hope this email finds you well. I am writing to follow up on an unresolved dispute with Citibank, associated with complaint ID : XXXX. Despite my repeated attempts, Citibank has failed to adequately address the issue, incorrectly asserting that the window for dispute has closed. I would like to bring to your attention the circumstances surrounding this dispute and the subsequent detrimental effects on my credit score. 

The dispute in question is related to a transaction made through XXXX, a company of XXXX XXXX XXXX. It has been acknowledged by the merchant that they did not forward my paid taxes to the state of Illinois, which subsequently necessitated my repayment. In writing, the merchant has requested that I initiate a dispute with my issuing bank, as they are unable to issue a direct refund since the funds have already left their coffers. 

However, my issuing bank has not only refused to honor my rights as stipulated by Regulation Z ( Billing Error Resolution ), but it has also charged me interest on the disputed amount. Furthermore, the bank has added a line item to my credit report indicating that I initiated and lost a dispute. These actions have had a severe and negative impact on my credit score and financial well-being. 

Therefore, I respectfully request the following actions be taken : 1. Reexamine Dispute XXXXXXXX : I urge the issuing bank to thoroughly reassess the details of the dispute. It is unrealistic and unfair for the bank to expect customers to possess knowledge beyond what the merchant displays as its name on its website. Therefore, the bank 's claim that I submitted the dispute with the wrong merchant is false and misleading.

2. Remove Accrued Interest : I kindly request the immediate removal of any accrued interest related to the disputed amount. Charging interest on an unresolved dispute only exacerbates the financial burden imposed upon me.

3. Remove Credit Reporting Line Item : I request that the line item added to my credit report, indicating that I initiated and lost a dispute, be promptly removed. This erroneous entry has significantly and unjustly impacted my credit score, hindering my financial opportunities. 

I emphasize the urgency of this matter and the detrimental consequences it has imposed upon me. I implore you to address these concerns promptly, rectify the credit reporting inaccuracies, and provide a fair resolution in accordance with the applicable regulations. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues in a timely and satisfactory manner. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$3000.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Finally this fraudulent crooked company did the ultimate mistake and just dropped my credit score XXXX points and get this they say it from not making payments THIS IS EXACTLY THE EVIDENCE THE FTC DOJ WAS WAITING FOR
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off, late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX XXXX and XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX Date Opened :, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

FREEDOM MORTGAGE I called to inquire about CARES ACT options because my salon was mandated to close by state. I spoke to someone about my options and did not hear the options offered in the CARES act. I did not agree to any options that where offered by Freedom Mortgage at that point the representative told me to call the FHA. I called the FHA and they are looking into servicers that arent offering options. I have not made any changes to my loan payments because of COVID i have NO plans of agreeing to change to Freedoms Forbearance. I was never contacted by XXXX teller number XXXX.I will be contacting RESP as well as making a complaint to sml.texas.gov. I was also informed in paperwork that let me know i was illegally put on a program i did not agree to that my credit will be impacted.I have Never signed documentation Never verbally agreed to a Forbearance Plan Terms. I make my payments online and now am locked out of my account to my payments and a message says contact loss mitigation. I need this rectified immediately. It was fraud to put me on this plan. I never sent documentation I asked questions and learned they where not following CARES. The FREEDOM MORTGAGE servicer said call FHA. This is fraud! I had questions now I'm recieving paperwork about a plan that I'm not agreeing to. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-03-15
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There are 5 complaints in reference to Bank of America and the servicing of our Loan. Bank of America seems to have found a way to go around the system without answering Complaints. First they acknowledge the complaint is there. Then they tell CFPB we are going to send you a letter on how we will handle this situation. That never take place, but they do give you a telephone number to tell the customer to call this number XXXX ext. XXXX. Then they Close the complaint. Once it's Close you can't re-open it. 
So your situation never get resolve and Bank of America continue with there Bank Fraud!!! There excuse is we don't want to publish our resolution
Consumer complaint received 2020-04-27
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. (FL)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2022-11-23
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)

On XX/XX/2022 I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, it should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.Please repair the account and remove the late payments : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I'm writing you today because Experian has never provided me any proof on how they verified this bankruptcy that is reporting inaccurately on my consumer report. Experian has never did an investigation but only verified this account as being accurate. Experian has never verified this account to be accurate with the bankruptcy courts which would be the institution that conducted the bankruptcy in the first place. 

I request Experian provide me proof what bankruptcy Court officer has provided them information stating the bankruptcy that's listed on my consumer report is accurate and or letter of any sort showing they were in communication with the bankruptcy court confirming the bankruptcy that's listed on my consumer report is accurate and they were the original furnishers of the bankruptcy that's listed on my report. 


This account must be deleted because Experian has no permissible purpose, they illegally obtained alleged bankruptcy information and applied it to my consumer report without any communication from the bankruptcy court, Experian illegally and knowingly transferred a report on my consumer report without written instruction from me, they have no proof from the bankruptcy court that this account is accurate and it should be on my credit report. 


This account must be deleted immediately. 



See attachments below.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I'm writing to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, and I go by XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2023-03-15
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/2020 I've sent a letter to XXXX  disputing and requesting the removal of debt Convergent Outsourcing. XXXX  reported the account as verified. On XX/XX/2020 I sent another letter to XXXX  disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. XXXX  could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to Convergent Outsourcing requesting validation of the account claiming that I owe any obligation to them. Not only have Convergent Outsourcing ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to Convergent Outsourcing on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, Convergent Outsourcing failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean Convergent Outsourcing agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to XXXX  prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.
Consumer complaint received 2022-11-23
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX