davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX truist-one checking Complete Qualifying Activities, Earn {$400.00} w/Truist One Checking. 

Using the link provided on their website, I opened an account and completed all the qualifying activities. I contacted the bank since I did not receive the {$400.00} promised, they said their system created multiple accounts and closed the duplicates. So, I am not eligible to receive the money.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto has reported 2 vehicles as charge offs and I have the letters of release of liens and I have the titles of the trucks they refuse to update the account and they refuse to report my vehicles as paid to the CRA and this has been detrimental to me as a consumer. 
I am attaching what I have of this to prove which I have already sent copies to Capital One Auto and to the 3 consumer reporting agencies and the 3 agencies do not remove it either, and have NOT validated it to me with written proof. They just say it has been validated by the furnisher. A violation of 15usc1681s-2 ; 1681EB, 1681i5, to my detriment. 
the accounts are Account name : CAP ONE AUTO Account # XXXX Account name : CAPITAL ONE AUTO Account # XXXX {$34000.00} 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The poor reporting and malicious negligence of CAPITAL ONE AUTO has caused damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with CAPITAL ONE AUTOfor over 2 years and nothing has been done to correct these Federal Violations by CAPITAL ONE AUTO I need this reviewed and corrected and deleted from my reports. I also seek monetary damages from CAPITAL ONE for this devastation to my character and damage to my ability to purchase other goods for the home.
Consumer complaint received 2023-07-25
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2024, I reviewed my posted credit score which is listed by Trans Union. The score which is listed by Trans Union is XXXX. My credit score has not been updated with Trans Union for approximately 6 months. My current score with XXXX is XXXX. My credit score with XXXX is XXXX. There is a " Huge '' disparity in scoring which needs to be corrected immediately!
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WI)

On XX/XX/XXXX I woke up to XXXX different withdrawal deposits from my XXXX active account with Netspend that I use daily! I call Netspend only for them to tell me that Netspend decided to go into my active account and cover past due fees that were on XXXX different past accounts that date back to XXXX that of course have been closed XXXX inactive for years. I receive no warning letter about them about to take over XXXX out my active account for some accounts over XXXX XXXX XXXX not all accounts were XXXX XXXX XXXX but dates bk that far to collect, why wasnt I warned about these balances prior before instead of just taking money out, just going into my active account without notice especially considering how old the accounts are! Why wait so many years to collect when I have always had Netspend with active deposit. That was my rent money they took now XXXX in a bind because of them is this even legal to go so far bk XXXX without notice???
Consumer complaint received 2024-03-26
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX, via US Postal Service, we received a Payoff Statement from Select Portfolio Servicing , Inc. ( SPS , Inc. ) dated XX/XX/XXXX with an incorrect payoff balance. SPS, Inc. indicated on this Payoff Statement that the unpaid principal balance was {$180000.00} and the payoff balance was {$200000.00} with an expiry date of XX/XX/XXXX. 

SPS Inc. 's reported unpaid principal balance of {$180000.00} on their Payoff Statement was incorrect which made the reported payoff balance grossly inaccurate. This meant that SPS , Inc. 's Payoff Statement was in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ), and their reported unpaid principal balance was a covered error under section 12 C.F.R 1024.35 ( b ) ( 6 ). 

According to the agreements between us, and to which the company has a fiduciary obligation, the correct unpaid principal balance on XX/XX/XXXX was {$91000.00}. 

This correct unpaid principal balance of {$91000.00} was determined from and and is supported by the following evidence, which is overwhelming : Loan Agreement and Deed of Trust between us and the company and by the loan servicer transfer from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
Loan Amortization Table from SPS, Inc. dated XX/XX/XXXX, Loan origination and maturity data from all SPS, Inc. 's published monthly statements, and SPS , Inc. 's published on-line customer dashboard and payment history reports Furthermore, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponded to the balance recorded on the Loan Amortization Table for XX/XX/XXXX, and not the balance corresponding to XX/XX/XXXX, which was the date that SPS, Inc. generated their incorrect payoff statement. 

In other words, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponds to the loans unpaid principal balance when the XX/XX/XXXX installment was applied, which was 24 months ago, and not the correct unpaid principal balance of {$91000.00} on XX/XX/XXXX when they generated the payoff statement. 

Therefore, SPS, Inc. 's payoff statement is in error under section 12 C.F.R 1024.35 ( b ) ( 6 ) and is in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ).
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act 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 XXXX XXXX XXXX 15USC 1681sec 602 states I have the right to privacy 15USC 1681 sec 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-29
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. (GA)

I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL 3 CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE THE INQUIRIES, 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 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent a dispute to experian in XXXX about an account that is charged off but still is reporting late payments on my account. I sent a dispute challenging the account all together because I have no knowledge of the account. I have yet to hear anything and its been over 30 days
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (OH)

I got an account to purchase same as cash. I have tried making payments but I cant online as the account number is not on the statement but I never received a card after ordering on line. When I ask for them the fourth time and ask for a supervisor they hung up on me. As the interest rate XXXX % this is definitely a XXXX XXXX
Consumer complaint received 2022-12-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (MS)

On XX/XX/2022, I completed an application for a personal loan. I submitted my paycheck information through my online bank account. The company posted an EST. Date of XX/XX/2022. On XX/XX/XXXX, I sent an email to their loan processing department to inquire about the status of my loan. They replied saying the application had expired. They stated that I need to resubmit another application. I replied by stating that I didnt think it was fair for them to run a hard inquiry on my credit while they let the application expired. So, I re-submitted another application, but I told them not to run my credit again. After re-submitting another application on XX/XX/2022, I was given another EST. Date of XX/XX/2022. I have checked my email several times, and I have not received any updates. I have all emails that I sent. I received several emails from the company stating that someone will get in touch with me either by phone or email. However, I have not received any form of response. The customer service only allows the consumer to update their emails or phone number.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XX/XX/XXXXData Breach and may have got into the hand of the wrong person.
Consumer complaint received 2024-03-26
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-03
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. (CA)

I have an auto loan from XXXX XXXX XXXX XXXX., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution.XXXX, XXXX, and TransUnion reporting me 30 days late. There was an error on their part. I was never 30 days late three times.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a loan from XXXX for {$24000.00} that should be removed. XXXX sold me a faulty vehicle and I returned it. I no longer own that XXXX XXXX account needs to be removed.
Consumer complaint received 2022-11-21
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. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (VA)

I received a credit card from Wells Fargo around XXXX. About a XXXX into having the card I had difficulties figuring out my payments as they were changing. I was receiving notices saying I wasnt paying on time or the right amount but never received confirmation that they were being edited. 
I ended up borrowing money from a family member to pay off the card and close the account. Relieving my stress of the situation.