davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equitfax sent  incorrect credit score to  XXXX . All other lenders got an  XXXX  score, while   XXXX   XXXX   was provided a  XXXX  I was not given the lower interest rate, but the rate of 9.09 % I tried to ask Equifax why, and they just said, I had no adverse information, but could n't give my credit score as it was confidential.
Consumer complaint received 2024-11-20
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. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts XXXXXXXX XXXX
Consumer complaint received 2023-02-13
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. (NV)

XXXX  account with acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Inaccurate reporting in XXXX and XXXX, this account status should not have been updated. Causing derogatory marks on account, also, multiple months with XX/XX/XXXX and 90 days inconsistent, would like this removed, as it is in direct violation of the Fair Credit and reporting act. 
Thank you
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MI)

Last year when I was booking a flight with XXXX XXXX, a promotion stopped me and asked me to apply for a credit card. It promised XXXX bonus miles plus {$200.00} statement credit. Later I got the XXXX bonus miles. However, I have never received the promised {$200.00} statement credit. I have called and written letters to them. To my dismay, there was no help. Their response was so brief and very confusing. They never told me when they would give me the {$200.00} statement. I am very disappointed about them.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit report act this creditor Capital One bank has violated my rights under the 15 US code 1681 section 602. States I have the rights to privacy. 15 US code 1681 section 6048 section 2 also states a consumer reporting agency can not furnish an account without my written permission. Code 1666B states credit may not treat the payment credit card account on the open consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (GA)

Unauthorized inquiry, this is result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc. (FL)

Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX  accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

I have already made a complaint to CFPB as below, the Comenity Bnak did not resolve it till now. The dispute is pending with CFPB and also with Comenity Bank collections, but they keep on reporting my account deliquent, today i.e XX/XX/XXXX, they again reported me 60 days delinquent and my XXXX XXXX fell to XXXX, this is causing severe trauma to me. 




I have received a sanction of {$3500.00} from XXXX XXXX XXXX XXXXComenity Bank referring to an account ending XXXX. I have accepted to get a hair treatment from XXXX XXXX but did not even make my first visit for the treatment. As i was getting bills from XXXX XXXX Comenity Bank , i reached out to XXXX XXXX to refund the money to comenity as i did not start the treatment. XXXX XXXX has ignored all my emails and blocked my email. When i finally informed Comenity, they said that they will initiate a refund and asked me to reach out on XXXX XXXX if do not get any update from them. The customer service was not available and always i was kept on hold. On XX/XX/XXXX I received a notification that my XXXX XXXX has decreased from XXXX to XXXX because of the overdue report by comenity. Upon reaching comenity, they informed that they have recovered the balance from XXXX XXXX, but the late fees are past due. I believe that the late fees should have been collected from XXXX as my liability only starts after i make the first purchase. The fee they have applied is not valid as i did not start any treatment. The customer service XXXX also mentioned the same but she asked me to reach out to collections to get this removed. This wrong reporting has effected my XXXX XXXX and comenity said they would take 90 days to resolve the issue
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IN)

transferred XXXX dollars on XXXX via Western Union. After finding out based on lack of employees the transfer would take 5 business days I called back XXXX at XXXX and cancelled. They stated would take 5-7 business days to return to my account. After 9 days I called back as the money had not been returned. Upon that conversation on XX/XX/XXXX they let me know if wasn't cancelled properly on their end. I then asked them to cancel and return money again. This time I asked since they messed it up on their end to expedite process and they said they couldn't. I asked to speak with a supervisor, I held for 20 minutes then they stated they have too high demand and a supervisor would call me back. After 10 days with no call back or response I called back on XX/XX/XXXX at XXXXXXXX XXXX. I asked why my money hasn't been returned even after the 5 days and why a supervisor never called. The person had no response. I then asked to cancel my transfer again and to speak with a supervisor both to expedite the process and to talk through the terrible service. I sat on hold again as they stated they don't have supervisors available could call me back. This is absolutely a disgrace for a financial institution. If you do not have enough employees to service requests do not take the profits when you can't handle the issues.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

i notice a alleged debt from RENT RECOVERY SOLUTIONS, LLC for {$3100.00} that i don't owe nor has any dealing with before.I sent them a letter on XX/XX/2021 requesting the validity of the alleged debt and to remove this negative item from my credit report.it is keeping me from getting a home.i also attach a copy below for my record.
Consumer complaint received 2023-06-08
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)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received an unauthorized transaction from XXXX for the amount of XXXX dollars : I contacted Bank of America immediately after seeing this charge and filed a dispute. I was advised to contact XXXX XXXX as well, in which i did. I was informed by XXXX rep that since event had already passed I was not able to get a refund but that what they advise costumers to do is to contact their bank and once their bank files a claim with them they can refund money back. Days later someone from XXXX XXXX contacted me and gave me a claim number in acknowledgment that my charge was unauthorized and that they will be waiting for my bank to contact them. I was given a temporary credit days by Bank of America days later. I received a letter on XX/XX/XXXX stating my claim was denied because The charge was authorized by you or made by someone who has permission to use the card or account. I contacted Bank of America upon receiving that letter and they informed me that because I had purchased a ticket to see the same XXXX in the past they found that transaction valid. I contacted XXXX XXXX only for them to tell me Bank of America never contacted them to dispute the transaction. Spoke to supervisor named XXXX and she assured me they would be able to refund me but my bank needed to contact them, in which they never did. I proceeded and filed a claim against XXXX XXXX with the XXXX. I called Bank of America to have my claim be re opened, spoke to representative named XXXX from claims department on XX/XX/XXXX and he stated that he had good news and it was that XXXX XXXX  was going to refund my money but that I needed to submit a statement and fax it over. On XX/XX/XXXX I faxed over documentation in support of my claim which included my statement along with the copy of the XXXX  complaint. so that my claim would be reopened. On XX/XX/XXXX, I received another letter from Bank of America stating The charge was authorized by you or made by someone who has permission to use the card or account. They have not contacted XXXX XXXX to dispute this item, XXXX XXXX assured me once my bank submitted the claim with them they will be refunding me. But Bank of America refuses to contact XXXX XXXX and they make the decision to deny my claim on the only fact that I have used XXXX XXXX once in the past and that my account wasnt completely whipped out when the unauthorized charge happened, in which it basically was. I was only left with XXXX dollars to spare. Never in my life have i made a purchase so big, you would think Bank of America wouldve tried to block it as it definitely was an unusual amount. They refuse to refund me my money even after sending them signed statements and proof of my communication with XXXX XXXX
Consumer complaint received 2016-06-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

My husband and I divorced XXXX XXXX XXXX and our house was in foreclosure. I applied for a loan modification in XXXX XXXX and was approved, after I sent my divorce decree and filed a quick deed claim with the courts. ( and all of the other XXXX pieces of paperwork. ) I went on the 3 month trial period and passed it, XXXX. XXXX, XXXX. Then my ex husband filed bankruptcy XXXX. XXXX, XXXX. They took my loan modification away. I was awarded the house in the divorce decree also. They said that my ex husband 's bankruptcy lawyer did n't file a motion?????? This lawyer said he did. So either the lawyers lying or the home mortgage company has lost it?????? Its my house. why would it have anything to do with my ex husbands ' bankruptcy. Now I cant even make a house payment because the house is in " protection ''?????? I do n't know what to do.
Consumer complaint received 2023-06-08
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. (TX)

I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XXXX/XXXX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.
Consumer complaint received 2023-06-08
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX I XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-08-17
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. (TX)

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. The following accounts are not accurate : XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
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. (NC)

My first letter which will be attached went to XXXX, XXXX and Experian to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XX/XX/XXXX. Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent two more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal charged me overdraft fees totaling to over {$500.00} while enrolled in the OOPS program through navy federal. I reached out to navy federal to submit a fraud claim which they found me not to be at fault and kept the credit on my account but took it, unenrolled me from the OPPS program and closed my checking and savings account after I provided all information and was cleared of my claim. Navy federal instead took money from me just for my account to be closed as a result.