davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (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.

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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2022-11-21
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. (OH)

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : ( XXXX XXXX XXXX ) Account # XXXX, hasviolated 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.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

After many subsequent attempts to rectify the situation with Experian they continue to display inadequate and derogatory information after reporting identity theft to them and have yet to remove it. I have submitted an FTC report and will submit another one today just so they get what's going on. They are in violation of fcra laws and need to remove it immediately. The two accounts in question are XXXX and XXXX XXXX  XXXX XXXX.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America gave me a fee for being over extended for a period of time, but I was n't over drawn for an over extended period of time. I contacted them and they agreed that I should have not been received that fee, but they could not remove it. I get paid on XXXX but they wont recognize the payment until Monday, even though its from their bank and they send it Thursday. I do n't make enough money to hand it away to a greedy bank who looks for ways to XXXX over its customers
Consumer complaint received 2023-08-19
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-19
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. (NE)

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i opened a XXXX checking account with capital one. and deposited XXXX into the account thru ACH transfer from my other personal account. Right after the fund was received by capital one. they put a hold on my fund and require me to go to their branch for ID verification. i think it is unnecessary and unreasonable. When i opened the account i already verified my identity. I also verified where the fund was coming from. I called the bank to ask for help to remove the hold but they refused to help me and kept telling me to go to their branch. I told them I wouldnt mind going to their branch if they could give me an explainable reason. but they couldnt provide me with the info then I requested them to close my account and refund my money. they told me theyre not going to close it. so to my understanding ive just got scammed by capitalone and theyre holding my money for the bank interest,
Consumer complaint received 2022-12-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 ( A ) states That I have a right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( C ) ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any 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. 15 U.S.C 1681 s-2 ( 9 ) A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. I also have provided proof that shows I had auto insurance with a total different company than what XXXX XXXX XXXX reports.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Conn's, Inc. (TX)

Calls up to 11 times per day, but hangs up when I answer, or never leaves a message. I work swing shift, so they call either when I 'm asleep, or at work, where I can not answer their calls. Cease and desist letter sent a month ago.
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (NC)

I have been mislead by NACA on several occasions and discriminated against. I have all this documented. I was even threaten to inactive my account by XXXX XXXX due to my XXXX XXXX my XXXX this is discrimination. I have been told several different things to qualify for NACA and each time I have done them. Now I have to wait 6 months to do a payment shock which I have been doing so but XXXX XXXX told me to pay down my DTI with my payment shock this whole call was documented. They are giving me a very hard time and I know its because of my XXXX. I know they dont do this for everyone Im in a NACA XXXX on XXXX and I have screenshoted several different members comments how NACA does not follow policy or guidelines they pick and chose who they qualify, I have proof of all of this. XXXX member said he didnt have to do certain things another member had to do, they are not following policy and guidelines for everyone. They told me my action plan and what to provide and I did that and once I did that they gave me a new action plan. They have mislead me, disrespected me, discriminated against me, threaten me, put me down, discourage me. I have XXXX children and I need a home. I have been doing everything I been told to do and its always something new added on. My first counselor ignored me and I have several emails to prove this and calls. My XXXX are really bad right now NACA is making them worst, I been crying all day because if I wasnt ignored and told this from the beginning I would of did so. My son was even crying he is XXXX because he knows I been working hard and doing everything that was told to me by XXXX and now all of a sudden it has changed. I told them Im contacting CFPB and HUD then I was threaten to inactivated my account. They also told me if I call again my account would be inactive. Only thing I trying to do is get me and my children a home. I been mislead and done the worst way possible. This isnt right. 
Desired Settlement : Them to follow what XXXX XXXX told me and my initial action plan as well as monetary relief from pain and suffering for me and my children. ; They have no payment shock on my action plan but I have been saving anyway XXXX told me to use to pay my XXXX down which I did, I was mislead ; Contact by the business
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tenaglia & Hunt, PA (MD)

On XX/XX/2023, I reached out to my bank as I noticed a total of {$7500.00} was deducted from my account. They informed me it was a garnishment of wages and gave me the number associated with the charge. 

The next day, XX/XX/2023 at XXXX am, I had called Tenaglia & Hunt ( as suggested by my bank ) at which I informed them regarding the amount deducted from my account. Upon checking their system using my social security number, they informed me there was no information on file associated with my informationp and to reach back to my bank. I had called my bank again at which they informed me it was a debt collection which is concerning to me as I have no debt. I have called Tenaglia & Hunt to clarify and rectify the situation but have been sent to voicemail each time. Since my initial call with Tenaglia & Hunt l, they have been surprising unavailable and not returning my calls. 

I would like to rectify this situation being that their system has no recorded of debt owed and was caused myself emotional distress/ uncertainty with my financial situation.
Consumer complaint received 2020-03-02
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 information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TEXAS CAPITAL BANCSHARES, INC. (CT)

I have an online savings account with XXXXXXXX XXXX, on XX/XX/ I did a {$50000.00} wire transfer, they took so long, let so many days go by, that when they finally did the wire, the account it was sent to was full after all this time elapsed, so it was not accepted and marked for return, the bank told me I would have funds by end of day, next day the latest, As it stands on XX/XX/XXXX  I still have no refund, every time I talk to bank, talk to different people get different story each time. there phone is XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the XXXX  stemming from the disregard for legal protocols.
Consumer complaint received 2023-05-23
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-23
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: Experian Information Solutions 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 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 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I checked my online chase bank account, I saw three fraudulent checks {$3000.00}, {$2400.00} and another {$3000.00} withdrawn from my checking account. I called XXXX XXXX department at the same night. They froze my account. 

After my chase checking account was frozen, there were two checks by the Telecheck services automatically rejected by XXXX. All fraudulent activities seems happen around New York where I stayed at Texas and never been to New York for the last 10 years. 

XXXX has investigated the fraud and refunded my account. 

Telecheck services sell the two rejected checks to debt collectors, I have responded with the debt collector, but Telecheck services continue to sell the debt to different debt collectors.
Consumer complaint received 2022-12-07
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-14
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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