davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I financed a new XXXX XXXX XXXX through Capital One Auto Finance. On XX/XX/XXXX, I was involved in an XXXX XXXX, and my car insurance company, XXXX, which is under my XXXX XXXX name, XXXX XXXX, deemed the vehicle a total loss. XXXX determined the value of the car to be {$24000.00}. The balance of the loan was {$22000.00}. On XX/XX/XXXX, the sum of {$22000.00} was paid to XXXX XXXX XXXX by XXXX, at the direction of Capital One Auto Finance as their payment portal. On XX/XX/XXXX, Capital One Auto Finance accepted the payment from XXXX XXXX XXXX. The vehicle was paid in full. However, Capital One Auto Finance proceeded to report to all XXXX  credit bureaus that the XX/XX/XXXX and XX/XX/XXXX payments were XXXX  days late. This was not possible, as the car was paid in full, and Capital One Auto Finance accepted the payment prior to the XX/XX/XXXX, due date. I was made aware of these reported late payments when I applied for a XXXX  XXXX loan on XX/XX/XXXX, and was denied because of them. I reached out to Capital One Auto Finance on XX/XX/XXXX, in an effort to get them fixed, as the car had been paid in full prior to the XX/XX/XXXX, due date, but they were unable to help me. I disputed the reported late payments through all of the credit bureaus, and Capital One Auto Finance came back stating that they received the payment on XX/XX/XXXX, so the late payments would stand. Again, this is not possible. I have the receipts, including the check number and account information that it was sent to. Their portal company received the money on XX/XX/XXXX, and Capital One Auto Finance received the funds the following day, on XX/XX/XXXX, several days before the XX/XX/XXXX, due date. Due to Capital One Auto Finance reporting payments as late even though they were not, I was denied a home loan and have been unable to purchase a home that would be suited for my XXXX XXXX needs, as he has XXXX XXXX
Consumer complaint received 2023-07-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (VA)

New American funding ( NAF ) and XXXX XXXX pre-approval me for a VA loan. NAF said they can close on the XXXX of XXXX while XXXX XXXX said the earliest they can do is the XXXX of XXXX so I went with NAF since I was moving for work, I have to get to Virginia as soon as possible. To cut the loan story short NAF missed the closing date as promised be XXXX. I didn't close till the XXXX XXXX, l had already moved myself and my family to Virginia staying in the hotel and racking up hotel bills. 

Everyday the requirement changes that by the time one get resolved it already the next day for a new requirement. 
The last thing that happened was the disclosure I signed when I was locking in the rate had XXXX XXXX XXXX XXXX cash to close. The night before closing I was told I need to pay over XXXX XXXX at closing which was very upsetting especially because I didn't planned nor do I have time to do it. They knew I was under pressure try to get a stable home for my family and trying to get out under hotels bills.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting inaccurate information on my credit profile with XXXX XXXX XXXX. The Credit Bureau is reporting my XXXX payments as late after I reported that the information being reported was incorrect.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

On XXXX XXXX 2023, I received a text message saying that the phone number on my account was changed to a different number. I also received an email. 
I tried logging into my Chime account but the app wouldn't let me, neither would the online website. 
I then called Chime and after waiting for about 25mins, I was able to talk to someone about changing the number back to my real phone number and accessing my account. 
When I finally accessed my account, I found out that someone had taking all the money out of my account, and left me with just pennies. They had taken {$2400.00}. They had transferred the {$2200.00} out of my savings account, added it to the money in my checking and then send the money to a name that I had never heard of. 

I asked the representative how this was possible. I made it clear to them that I didn't authorize the charge, I didn't know the person, and I didn't even know how it was possible that the person was able to take all my money in minutes. 

I pointed out to the representative that for as long as I have had my account, I had never sent money to a single person. I used my account to get my direct deposit from my job ( XXXX ) From there, all my funds are distributed to three other external accounts ; XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX. Those are other corporations, not singular people, and it has been that way for as long as I can remember. 

From my experience, distributing the funds as described above usually took about 1 to 2 business days to processs, so I definitely couldn't understand how or why this person was able to take my money in minutes. I asked that since they had the persons Username and information, why couldn't they just freeze the transaction, and they said they had no authority to do that, which left me even more confused. They have the account the money was sent too and they couldn't do anything? not even report the person so the person couldn't keep doing this? 

After being transferred about two times, they opened a case. I am still waiting for my money to be refunded. I am also waiting to understand why it was so easy for someone to access my account and take all my money.
Consumer complaint received 2023-07-17
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (NM)

Hello, my company is an XXXX XXXX XXXX We are a legally registered LLC in New Mexico, fully compliant with all required documents. I have been using this service for a year to handle client payments and business-related purchases. Suddenly, my account was closed without any explanation, with a balance of approximately {$1000.00} to {$1500.00}. Additionally, there is a pending refund of {$10000.00} expected in the next few days. This means there would be more than {$11000.00} in my account that I currently have no access to. Please assist me as soon as possible. Thank you very much.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.
Consumer complaint received 2022-11-29
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. (GA)

Hello My Name Is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-12
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. (WI)

I sent the credit Bureau XXXX TRANSUNION ) on XX/XX//23 letters asking them them to verify the fraudulent items on my report. I've also sent in FTC Report and Each time they update the file stating that everything is verified correctly. My credit report are still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. 
Accounts/Inquiries are below. TRANSUNION is the only CRA reporting this! 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX 2.XXXX 3.XXXXXXXX 4.XXXXXXXX 5.XXXX XXXX
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (NC)

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

XXXX 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 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 7 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 2023-02-03
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: Merchants' Credit Guide Company (IL)

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 MERCHANT CREDIT GUIDE : # * 0965 MERCHANT CREDIT GUIDE XXXX XXXX XXXX MERCHANT CREDIT GUIDE 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 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 2022-10-31
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. (MA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-07-17
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: DOLLAR MUTUAL BANCORP (PA)

My XXXX XXXX report indicates that Dollar Bank ran an inquiry on my report, on XX/XX/2022. 

Dollar Bank didn't have my permission to request a report.
Consumer complaint received 2024-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (KS)

In early XX/XX/year>, I talked with a career coach from XXXX who was surprised to hear my graduation date was not updated with Mohela and my payments were not being deferred while I was still in school. I was not aware that a graduation date update could even be made with Mohela until this conversation. 

My private student loan has a 21 month period where payments are {$150.00} minimum while I build experience in my profession with low pay, which is intended for after graduation. After the 21 month period ends, my monthly minimum payment is about {$1500.00}, so deferment is a big deal as this amount would be more than half my monthly income during the latter part of the 21 month period. 

On XX/XX/XXXX, I had Mohela email me the necessary information for a graduation date update : Student Name, Students Loan ID # or Last 4 SSN, Original Graduation Date MM/DD/YYYY, New Graduation Date : MM/DD/YYYY, Is the student enrolled at least half-time or more?, Reason for graduation date change, and Signature of School Official. It took my school a while ( XX/XX/XXXX ) to get together a letter with that information. The letter had all of this information that Mohela requested, but they are now telling me that my graduation date change has been declined because it's missing necessary information ( that is there ) or the information is not formatted exactly as they have requested ( the new graduation date was in the body of the letter ). 

When I contacted them today XX/XX/XXXX for what information was missing, they emailed me the same list of required information which completely matches the previously provided information and is all present in the letter my school provided me. 

I asked them to resubmit the graduation date today because it has all of the information requested, but I was told it was already denied so nothing would be done. 

Claiming that the formatting of the letter the school provided the information in is an unreasonable burden on me, creating pointless delays and discouraging me from properly deferring payments while in school.
Consumer complaint received 2023-03-12
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, US DEPT ED # XXXX, XXXX XXXX XXXX # XXXX, 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 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 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 2023-07-17
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: HUNTINGTON NATIONAL BANK, THE (PA)

My XXXX XXXX report indicates that Huntington National Bank ran four inquiries on my report. XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 At this time, my XXXX XXXX file was frozen. 


Huntington National Bank didn't have my permission to access my report
Consumer complaint received 2023-10-31
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. (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. 

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 2023-03-12
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. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OH)

I have received information regarding a debt being claimed against me. Through my rights, per 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. After receiving such information, I will review and respond within the 30 days allotted by federal law.

If it is found that there is no evidence of this debt under my name, I will demand that all credit bureaus and financial institutions be made aware and corrected promptly, or I will file a complaint with the local or federal agency.

Upon receiving this letter and immediately responding to this request, I am requesting telephone communication. I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

In addition, the following documents are to be included with this response : 1. The original contract with the original creditor has my signature on it.

2. Payment history with the original creditor.

3. Proof of debt assignment.

I appreciate your efforts and look forward to your immediate response.
Consumer complaint received 2024-06-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (PA)

I filed a claim to dispute multiple charges that I did not authorize. Money Network claimed they would mail me a dispute form that I had to return within 10 business days. When 6 business days passed and I had not yet received the form I called their customer service to ask if there was an electronic way to send the form to which they informed me that i could download a dispute form, fill it out and email it to their fraud department, which I did and got it to them before the end of the 10 business day deadline. I hear nothing from them for over another 10 business days, so I called customer service again and they informed me that my case had not been started. I finally received a letter claiming my dispute was denied due to " timing and card-present indicators of other recent transactions. '' The disputes in question are charges to XXXX and XXXX, neither of which I have an account for. These transactions took place between XX/XX/year> and XX/XX/year>. I could not access my account through the Money Network website or app for weeks because of ongoing issues on their end. The total amount of unauthorized transactions is {$210.00}.
Consumer complaint received 2023-03-12
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. (NE)

According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these. 

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched. 

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are inaccurate.