davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I XXXX filing a complaint against Nation Star Mortgage this is my third request with this company noting is being done to resolve the problem i have with this company they are horrible and difficult to deal with Nation Star has on my credit that i have a first mortgage home equity loan i have never had a first mortgage line of credit this is preventing me from doing anything financial with my home i had a second mortgage and it was paid off i have the documentation for that loan i want this problem ti be resolve with this company i am tiered of going no where with this company please help me.
Consumer complaint received 2023-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

XX/XX/XXXX, I sent in a factual dispute letter to XXXX XXXX XXXX after looking over credit reports I ordered on XX/XX/XXXX to let them know that my account has always been missing the estimated date of removal. I also sent one to XXXX on XX/XX/XXXX. I have attached those documents below. 4 days later I emailed a letter to the CEO XXXX XXXX and explicitly stated that I'd just mailed out letters of disputes to the bureaus for this account because they didn't add an estimated date of removal for the account and I wanted to know why. The dreaded XXXX ( one of their senior account specialists ) contacted me back and told me my reports would be updated to reflect the estimated removal date. This never happened. 

I sent a 2nd round of factual dispute letters to XXXX and XXXX on XX/XX/XXXX & XXXX asking that they delete the Bank of America tradelines off my reports entirely because they'd failed to run a proper investigation or provide proof of my estimated date of removal as I'd asked. They kept sending it back as accurate without any proof of said accuracy. 

No one should ever have to go through all this to have these entities that have our financial lives in their hands do what they're required BY LAW to do. 

So in XX/XX/XXXX I realized that even though this was supposed to fall off in XXXX it was still on my report and I emailed Bank of America 's CEO again about it except this time I was XXXX. I attached screenshots to them of my credit reports that had always reflected XX/XX/XXXX as my date of first delinquency and I've also attached those documents to this complaint. I told them I would report them if they didn't remove the account from my reports. 

XXXX is the person who called me to follow up but we never spoke and kept playing phone tag then I received a letter from her in the mail stating that nothing would be removed because they are reporting accurately when they're NOT. 

If they report so accurately, why have my reports always shown date of first delinquency as XX/XX/XXXX? Why does my XXXX report CURRENTLY state that my account was closed on XX/XX/XXXX? If my date of first delinquency was XX/XX/XXXX then how was it closed in XX/XX/XXXX? 

What kind of geniuses are employed over there?
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX added a late payment onto my credit report. Privacy Act of 1974 states The No Disclosure without Consent Rule states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains1 Also 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

the credit reporting agency duties to report accurate information and according to USC 1666B this late payment is not accurate reporting and needs to be removed immediately.
Consumer complaint received 2023-09-27
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. (TX)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
account details below Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8200.00} {$0.00} {$7400.00} Credit Limit : {$8000.00} {$8000.00} {$0.00} Past Due : {$7400.00} {$7400.00} {$7400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( XXXX ) : Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$110.00} - XXXX XXXXXXXX XXXX XXXX - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX ( 10 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please review Capital one claim # Re : We need some more info for your dispute [ XXXX : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your Order Number : # XXXX. I reached out to XXXX XXXX over 5 times via email was told by a XXXX in chat I will be getting a refund within XXXX hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX XXXXXXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. I can be reached via email or XXXX Sincerely XXXX XXXX please contact me i never seen the previous settlement. back in XX/XX/XXXX someone told me charges would be removed however not reflecting
Consumer complaint received 2023-08-09
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

STATECU XXXX  and STATECU XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I sent a letter on the credit bureaus on XX/XX/22 requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and XXXX discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$310.00}.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This will be my last Complaint to inform the Equifax Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INQUIRY which was UNAUTHORIZED within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the EQUIFAX Credit Bureau does not comply with the requests, it leaves me no choice but to pursue legal action. I need the LISTED INQUIRY deleted as soon as possible : XXXX XX/XX/2022 ;
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (DE)

I received a job offer from XXXX XXXX, who then ran a background check on me through First Advantage. 

I graduated with a XXXX XXXX XXXX  on XX/XX/2018, but my background check came up as " DID NOT GRADUATE ''. Obviously this is a serious problem and I don't want my employment offer to be retracted based off this incorrect information. 

The contact method they used shows up as ( XXXX ) XXXX, which when googled, comes up as " XXXX XXXX XXXX '', a third party student data website. The background check should have conducted the search through my school ( University of XXXX  ), not a third party website that clearly has outdated information.
Consumer complaint received 2023-05-22
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. (NY)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, 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 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 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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion has refused to remove the following two inquiries that both occured fraudulently on the same day. 

XXXX XXXX  XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX