davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - C XXXX - XXXX XXXX - XXXX PAYMENT HISTORY XXXX  Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (LA)

I submitted a complaint in XX/XX/2022. Regarding these inaccuracies on my credit report. Their are ( XXXX ) debts from XXXX on my report claiming that I owe. Experian only closed the accounts and added remarks to my report still listed as potentially negative which hindered my score even more. I am asking to have these inaccuracies DELETED from my Experian report.
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: Experian Information Solutions Inc. (OH)

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name # has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
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. (NV)

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( XXXX ), XXXX XXXX {$730.00} reporting amount ( TRANSUNION ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer. 

I am the consumer and I do not give my permission to furnish information on my report at this time.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2018 I went to the bank I have a account with checking, and savings I used the bank ATM machine to make a deposit a check a friend written to me for working for her the bank did not make the funds from the check {$350.00} available to me they put the check on hold and my account was negative {$360.00} on XX/XX/2018 I went to the bank and used the ATM and deposit 3 cash deposits for {$130.00} {$95.00} {$95.00} to cover the negative balance of {$360.00} because the bank did not make the check deposit for {$350.00} available in my checking account and the bank put a hold on my account I called the bank and tried to resolve the issue they was very rude, and nasty to me the bank have a hold on my account it is not fair because I did deposit cash in my account to pay the negative balance of {$360.00} and they have restricted my account.
Consumer complaint received 2022-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-28
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)

There is a collection on my credit report called " XXXX XXXX XXXX '' they claim to be from XXXX  for insurance on a car. 

I never had a car or owned a car and never had insurance on a car. This collection is wrongfully reported on my credit.

I tried disputing it with buearau directly but it's still on my credit report.

This is illegal and being reported illegally.

As per the law, the credit bureau has to verify that this is mine and has to provide me with any documents or signatures or anything showing that this in fact is an account I signed up or reliable for.

I never had such account. And this is highly damaging to me. Please remove this as soon as possible or provide me with all documentations that you obtained to determine that you are allowed to report this on my credit. 

Thank you!
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (FL)

15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-26
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. (NY)

XXXX 6 POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On Monday XX/XX/XXXX, I spoke with an account specialist at Capital One who advised me to send in a written complaint to have this matter addressed. As the accompanying documents show, this account is being reported with/as false information on my credit file with at least three credit reporting agencies. Not only is the information false, unclear and misleading, but it is also being shared unlawfully without my express written consent.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (DC)

Equifax makes it impossible to get your annual, free credit report online. It doesnt matter how many times or how accurate the verification questions, Equifax always make you request your report by mail. This is against the spirit of the law and undermines the intent of the law. Equifax needs to be found in violation.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MN)

In XXXX of XXXX we changed our homeowners insurance- We provided the new policy info to the mortgage company and we received a confirmation letter they had received it. However, they never updated the Escrow account and we were being charged for the old policy for over a year- we requested escrow analyst and we did not receive. Our payments are not being applied for months which generated past due statements this drove a letters being sent to us that we were behind on our mortgage- the statements were incorrect due to the escrow not being corrected- funds were sitting in an unapplied account. the entire statement was incorrect We have just completed a Bankruptcy in XXXX of XXXX and received our completed discharge on XX/XX/XXXX. All of these issues took place while we were in an active Bankruptcy. Nationstar tried filling a force foreclosure due to their inability to process payments. We had to work through the BK judge who questioned Nationstar on why the motion was brought once all the issue were in front of the Judge. 
We were told they could not speak to use over the phone due to the active BK even through our attorney sent in numerous request to allow them to communicate with us. We went emails to their complaint email address with no response. We reached out to the VP of Customer Care on XXXX who did responded- All of these issues are still ongoing. We are now out of our BK and Nationstar is negatively impacting our credit. Nationstar needs to be investigated by a government agency.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I reached out to Equifax regarding their reporting of XXXX Account XXXX which they are reporting as a charge-off and an open balance of {$540.00}. 

I submitted a dispute for this account as I had paid off this balance and their had agreed to remove this account from my credit reports. 

However, equifax completed their research and indicated that the account is still unpaid and has an outstanding balance and has a " Charge-Off '' status. 

I reached out to XXXX and inquired about the results stated by Equifax and they indicated that they fulfilled the terms or our agreement, to report this account and paid and remove it from my credit report. I also reached out to their collections department, and they indicated they have nothing pending in their records. 

How is it that Equifax concluded the account was still open with an outstanding balance when the Creditor has reported this as paid and removed from CRA 's file? Additionally, Equifax has blocked me from filing a dispute on this account in their system. 

I believe their investigation was flawed and still has errors. This is a violation of the FCRA and my privacy rights.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have been fighting this account XXXX XXXX XXXX for almost a year now. Your company is the only company that still has this account up on it collections. I have asked for original documents multiple times and was never sent a validation letter. I requested in writing that they send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act : The name and address of the original creditor Proof of debt Amount owed and account number. 

Copy of your license to collect in my state I also requested that you have this debt removed from Equifax until it was verified. Unfortunately, I have has a response and this is what they came up with : XX/XX/2022 : company XXXX XXXX responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

XX/XX/2022 : Returned by company XXXX XXXX responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

Finally on Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for taking the time to write us. We are a third-party debt collector who collects physicians outstanding bills for one or more dates of service. We are not a debt buyer. The services received were physicians services and per the physicians records, these were rendered per your initiation in an urgent or emergent circumstance. Our records show we have sent debt verification to you in the past confirming the dates on which physicians provided their services. We have updated your address in our system to that listed on your complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. An itemized statement has been requested from our client and will be mailed to you along with verification of debt. After reviewing your previous concerns, it appears that you believe this debt to be fraudulent. If you feel the account ( s ) were opened as the result of fraud or identity theft please file a report at www.consumer.gov/idtheft. Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit. By email : XXXX By Mail : XXXX XXXX XXXX, XXXX, FL XXXX. Thank you. 

As they have failed to respond to my validation request in 30 days, I am requesting that they cease contacting me and Kindly have the item removed from my report till then. 

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc. (UT)

I am writing to file a formal complaint against XXXX, specifically concerning a Visa Gift Card issued by One Vanilla, backed by VISA, which I purchased at XXXX in XXXX on XX/XX/2023. 

Upon realizing that the card I purchased was fraudulent, I promptly reported the issue to the designated customer service contact. They assured me that a replacement card, loaded with the {$500.00} value, would be issued. However, despite their assurances, I have not received the replacement card. 

I have diligently followed up with XXXX through numerous phone calls, but regrettably, the promised replacement card has not been sent. This has been an ongoing issue, as I have contacted them approximately XXXX times since my initial report, and I am yet to receive any resolution. 

I am deeply dissatisfied with the level of service provided by XXXX, and this situation has caused significant inconvenience and financial strain. As a consumer, I expect prompt and efficient resolution of issues, especially when it involves fraudulent activity on a product associated with a reputable company like XXXX. 

I kindly request your intervention in this matter to ensure that XXXX addresses this issue promptly and fulfills its commitment to provide a replacement card with the promised value. 

I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CA)

I received an e-mail from the Wells Fargo Unauthorized Account settlement regarding the class action lawsuit. I had questions so I called the hotline. When I called and selected 6 to speak w/a customer service representative, the automated male voice stated " thank you for calling, goodbye. '' When I entered my information online, I entered my DOB and social, then proceeded to enter the catcha phrase at the bottom. However, each time I entered it I received a message stating that it was entered incorrectly. However, it was not. 

Between the end of XX/XX/XXXX to XX/XX/XXXX, a line of credit was opened in my name w/o my authorization. It was connected to my checking and saving accounts. I was charged all sorts of fees, including penalties and overdraft. This account was opened in XXXX, California. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, I had a checking and savings account. This was opened in XXXX XXXX. I was charged overdraft fees repeatedly, not once, but twice or three times for one transaction. When I went into the branch to inquire about their policy, they gave me a " stuffed animal horse '' as if that would make up for their abhorrent practices. This went on for some time before I closed my account. I also used the account for recurring payments w/companies like XXXX, and was double charged. I was not sure whether it was XXXX who was double charging me or Wells Fargo, but I haven't encountered this problem with other banks. It was only with Wells Fargo.