davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently. 

They have FAILED to provide me with the requested information, see their responses. 

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 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 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 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 2017-07-17
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. (OR)

I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX ,  XXXX , and Experian.   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately.  XXXX  removed the inaccuracies a week later but did not increase my credit score appropriat ely. Experian wo uld not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for Experian to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 <P/>  I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 <P/> I w ould like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against  XXXX  and Experian refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.
Consumer complaint received 2024-03-11
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. (CA)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information.XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I accordance with the Fair Credit Reporting Act, The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ; 15 U.S.C 602 ( a ) ; 15 U.S.C 1681 602 A section 2 ; 15 U.S.C 1681 c ( a ) ( 5 ) ; 1581 U.S.C 1681 s-2 ( a ) ( 1 ). 

The accounts are listed with XXXX, Equifax and XXXX incorrectly and they are as follows : 1. XXXX XXXX XXXX Reported XXXX XX/XX/XXXX ; listed as date opened on XX/XX/XXXX and listed differently on Equifax and XXXX as well but with different opening dates. These are not reported the same and are not accurate ; 2. DEPT of EDUCATION : There are 15 different accounts listed under Dept of Education and XXXX XXXX XXXX ; The open dates on XXXX are all listed the same as XX/XX/XXXX, Equifax and XXXX have them all listed with separate individual dates that are completely different from the open dates on XXXX. The XXXX report has the dates on all as closed XX/XX/XXXX and then listed as reopend on XX/XX/XXXX. These dates are listed differently on the other XXXX reports and each of the opening dates are different days from the other. None of these reports match opening dates and closing dates on any of these accounts. 

The next account has XXXX listed as the original creditor and XXXX XXXX XXXX as collections agency. The opening and closing dates for this account differ on all 3 reports as well. They do not match therefore the info inaccurate. 

XXXX XXXX XXXX ; This account is listed as opening XXXX of XXXX and states that the account is closed. I am paying on this account from a Trust fund. It automatically comes from the account every month and its listed as closed on my reports but I am still paying. This accounts dates differ in all 3 credit reporting bureaus and therefore is inaccurate. 
My name is also listed differently on all XXXX reports. This is inaccurate as well. My last name is not XXXX and hasn't been in over 25 years. This is another inaccurate report and is hindering my getting anything done having to do with my protected info because my name is listed wrong and doesn't match the info I input, which is correct but not according to this report because its wrong.
Consumer complaint received 2017-07-17
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. (FL)

My credit score dropped from  XXXX + to less than  XXXX .   XXXX   XXXX   reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due.   XXXX   XXXX   has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MA)

My name is 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.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I had a fraud transcation in the amount of {$360.00} on my account on XX/XX/2023, my wallet was stolen and card was used. I contacted navy federal to advise of the fraud transcation. I was provided with an provesional credit. After 30 days i recieved a letter from the bank stating that they reviewed and determined that no occurred accured and would be reversing the credit. I immediatley contacted navy federal to advised this is incorrect and that I didnt not have my card, The rep i spoke to advised me to send an email via the portal and they would reopen the claim and this would stop the adjustment. as of today XX/XX/XXXX the adjustment of {$360.00} was removed from my account and now my account is in negative. I called this morning to speka to the fraud department and spoke to a supervisor XXXX who ws no help at all she was very rude. I explained to her what her rep advised me and she told me there is nothing they can do so i asked to speak to her manager and she denied the request and stated that she was not going to send my concern to her manager, when requesting her name i asked for her first intial to her last name so that i can file my compliant and she denied and advised me that is not there process.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (IL)

My hardship started when my monthly payment increased from {$1400.00} to now {$1700.00}. I requested mortgage assistance and was denied on XX/XX/2019. At that point I was told I was behind 1 monthly payment. Now the representatives at TCF bank tells me I am behind 2 mortgage payments and they won't send me a transaction history for the past year, 2019. I have had unsuccessful communication with TCF Bank in the past when I requested the mortgage assistance application. It took more than 3 months. Myself and the Housing Counselor contacted them numerous times. The other concern is that during this process on XX/XX/2019, I received a visit from XXXX XXXX he identified himself as the Vice President of TCF Bank, he said he wanted to help me and came to collect the mortgage payment. In hindsight, I probably should not have given him the check but I did because he was so aggressive. He convinced me that I would otherwise be put in foreclosure so I wrote him the check. The current representative that calls me is XXXX XXXX he will not send me the transaction history he just insists I send in 2 months payments.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. 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 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 2023-08-23
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-20
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from security finance stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.
Consumer complaint received 2023-08-23
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. (WA)

hello my name is XXXX XXXX and for about a year now i have been going back an forth with all three credit bureaus and at first i seen a little bit of progress but now i am starting to notice incontinence in the reporting and also some large accounts that are in collections that i have nothing to due with its clearly fraud and i have deputed them but they wont remove them form my credit reports i am also aware that there is a law that states everything has to be reported the same on each credit site or its grounds for removal well one again there is a problem there to every report is different on each site i am also aware that they are not suppose to report a collection either and they have reported 4 of them and three out of the 4 i have nothing to do with and my address and work history is wrong to and i have greatly been affected by this i am unable to even get a vehicle to get back and forth to work i am also aware of the law that says they have to pay me XXXX for each collection and that is what i am asking for that. that they remove and reimburse me for all the trouble they have caused me in my everyday life thank you.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am  XXXX .about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.
Consumer complaint received 2023-08-23
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. (FL)

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 items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$730.00} XXXXXXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XX/XX/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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (KY)

This complaint is about PNC and their lack of communication when giving lien releases to their consumers. After my loan was completed I didn't receive any information from PNC through email, text, or phone call. I waited until the end of the XXXX  the loan was paid off to start looking into selling my vehicle. When I found a seller I went to a PNC branch to pick up a lien release only to be told it was mailed out to my parents address. It was allegedly mailed on the XXXX XXXX XXXXXXXX but hasn't arrived yet. I requested a new copy be sent to me on the XXXXXXXX XXXX XXXXXXXX and was told there was no way to use express mail. PNC had no issue overnighting a check for me to take out another loan with them but can't get the lien release to me in a timely manner. I haven't been given any explanation for this other than it's not possible. I've also received mail from them XXXX XXXXXXXX XXXX, about a new loan I took out on the XXXXXXXX XXXX XXXX which actually led me to create this complaint. Customer needs are not being prioritized but PNC has no issue making sure you know how to pay them in a XXXX XXXX
Consumer complaint received 2023-08-23
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. (FL)

I sent the three credit bureaus a letter asking them to correct this questionable information a month ago, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-23
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: Experian Information Solutions Inc. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX  XXXX  XXXX and XXXX XXXXXXXX