davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Please see attached file for these items I am complaining.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022XXXX XXXX XXXX XXXX, and XX/XX/2022, and the bureaus did not remove them. 

Sec. 602 States " I have a right to privacy. 

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
Consumer complaint received 2023-02-27
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION (CA)

Several months ago, our corporation obtained a loan from Banner Bank for our business. They agreed on an interest rate and term and then proceeded to tell me that I needed to have a checking account as well. Not to worry, the checking account was to be free. Fast forward to XX/XX/2023 when they began charging a monthly fee for the checking account. I disagreed and decided to close the account. They have threatened that the loan for our business will increase by 1 % even though the checking account is used in no way to support or pay for the loan.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX I paid my credit card off in full. {$1400.00} which brought my card to a XXXX balance. I hadnt used the card in over a month. Then suddenly on XX/XX/XXXX Capitol one charges me {$22.00} for an interest fee. No other purchases were made!! Interest on WHAT? A XXXX dollar balance? How can you charge someone interest on XXXX DOLLARS? So I paid them and canceled the card. This is a total scam.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-08-14
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute with TransUnion on XX/XX/24 about a collection account. I sent them written information that I had been told that i did not owe anything when I moved out of an apartment complex. The manager told me that I had paid everything, and she could not charge me anything else. Months after I left, they decided to say that I owed {$100.00} and filed a collection account on me. Just a few days later TransUnion sent me notice that they had investigated my dispute and they had verified that the collection account was accurate. Later they just opened up an open account in my file and changed the collection account into an open account. I believe that is wrong and even more damaging. I did not open that account. They don't allow me to dispute it and when I try to write a statement about all the problems with it, they don't allow enough words to do that. They also don't show your credit score. They want you to buy it. My dispute on XX/XX/24 was to not to dispute the accuracy of the account. I relayed to them that I had been led to believe I didn't owe the money. I also said the account was false. I then went to XXXX XXXX which is the upper management of the apartment complex. They sent me the file of what made up the amount they filed on me. After examination I saw that they charged me with unities that were after my legal notice to vacate. They actually charged me for the time I had moved out and was not there. They filed an inaccurate and false collection account on me. I was led to believe I didn't owe the money to begin with and now I can also prove what I just stated herein. I am uploading documentation to show my legal date of intent to vacate. Then the document showing the dates and charges after that date. I actually moved out on XX/XX/24. I don't know what TransUnion investigated but it wasn't the accuracy of the collection account. The account they have charged against me for the XXXX next 7 years is actually inaccurate and false.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We closed on our mortgage with Nationstar on XXXX/XXXX/15 and wired the payoff funds the same day. 2 days after closing and after recieving the funds via wire, Nationstar changed their payoff amount due and refused to accept our wire. They then held up the process for 16 days, not accepting the new wire amount until XXXX/XXXX/15. For these 16 days, they refused to refund us our mortgage interest, as the payoff at closing was thru XXXX and any days before that date were to be refunded. When I submitted written proof of this discrepency, Nationstar completely ignored the documentation and continues to state that they are correct and that they do not owe us for the lost 16 days, even though we submitted the correct payoff on the date of closing and Nationstar changed that payoff AFTER closing. If this is a legal practice, then any mortgage company could do this to any customer and steal mortgage interest from them - this could be a XXXX dollar scheme defrauding customers of their money.
Consumer complaint received 2022-12-29
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. (MD)

Per XXXX XXXX XXXX XXXX XXXX credit score, TransUnion dropped my credit score XXXX points. This was significantly much lower than XXXX which decreased my score by XXXX points. I want to have clarity as to why TransUnions score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history.

I have been penalized by transUnion throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue.

At this point, I feel its discriminatory and would like a thorough investigation of TransUnions practices and rating of my credit history.

Thank you for your prompt attention to this request.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One is trying to collect a credit card debt that is owed by my father that has the same name as I do and used my home mailing address as well as my social security # to open up this card. My father kept up with making payments and then it shows that all payments stopped the month before he passed away. I tried explaining this to them and they didnt want to hear it so I feel as though theyre trying to get me to pay a debt that isnt mine and Im not paying it even though I would like it removed from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the accuracy of the information being reported by the credit reporting agencies regarding the account with XXXX. The information being reported is inaccurate and in violation of my consumer rights under 15 U.S.C 1681e ( b ). 

The inaccuracies include discrepancies in the dates associated with the account : Date the account was opened Date of last payment Date last active Date it was last reported These inaccuracies are causing significant harm to my credit score and financial standing. As per federal law, credit reporting agencies are required to report accurate information and this account is not accurate. The discrepancies in the dates associated with the account with XXXX are a clear violation of this requirement. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate measures to ensure that the credit reporting agencies correct the inaccuracies in their reporting. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
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. (FL)

I disputed a debt with XXXX XXXX XXXX for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and XXXX XXXX have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

Open Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation (PA)

The medical debt in question being collected on by The medical debt in the amount of {$270.00} from from XXXX XXXX XXXX XXXX was submitted to XXXX on on XX/XX/2021, approved and paid. 

On XX/XX/2021, the same amount was submitted to both insurances again in which the physician services according to XXXX was overpaid ; therefore, XXXX issued the EOB ( Explanation of Benefits ) back to the physician 's office indicating the over payment along with the instructions " Do Not Bill Patient, Not Patient Responsibility. '' Since such time, I have received more than 40+ calls from NCC XXXX a debt collector for this debt. I have phoned XXXX just in the last 60 days who has since sent what they call an " XXXX XXXX '' to the debt collector as well as the physician providing education that the patient which that refers to " myself '' ... that I am not not responsible for the debt. 

Since that time I have received numerous phone calls. I myself phoned NCC and advised them of what XXXX stated. I have received three calls since from NCC collectors attempting to collect on this debt after XXXX XXXX and XXXX for XXXX and XXXX XXXX completed the investigation into NCC debt practices to cease the collection activity which still did not stop. 

Those collection attempts from NCC XXXX main line ; however, phone calls to my mobile was from XXXX from XXXX XXXX occurred on XXXX, XXXX, and XXXX. This type of ongoing harassing debt collection goes against all debt collecting FDCPA practices of fair debt collecting. Please assist me in ensuring that companies like this do their due diligence and adhere to policies and instructions provided to them by patients. Its obvious I had spoken to XXXX or how would I had been able to provide them with XXXX codes and all of the information I was able to provide them about the overpayment to them, and me not being responsible for the amount due. 

Thank you in advance for your immediate attention to this matter. I sincerely appreciate your assistance in helping me resolve this issue before it is placed on my credit reports.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 
Check the attachments below.
Consumer complaint received 2022-12-29
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The FCRA mandates that only credit transaction can be reported on the consumer credit report. This company open sky continue to violate federal codes by reporting late payments which is not considered part of the credit transaction history which ultimately is effecting credit worthiness.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX was reported onto my credit report in XX/XX/2022 with an incorrect date of XXXX  delinquency and expired statue limitations. XXXX XXXX has violated my rights under FCRA Section 623 ( 5 ) ( A ) and re-aged my debt and it needs to be erased immediately from TransUnion credit report. Ive disputed the XXXX funding account on all XXXX  bureaus. Unfortunately, TransUnion is the only bureau who wont remove this incorrect information. I request that resurgent deletes this account immediately from my TransUnion credit report. It is illegal to report re-aging debt.
Consumer complaint received 2023-06-04
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. (TX)

I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : 1. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Late Payments to Update : 1. XXXX Inquiries to remove : 1. XXXX 2. XXXX - XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7. XXXX  8. XXXX XXXX 9. XXXX