davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting 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. (CT)

Transunion is stalling again with their letter dated XX/XX/2024 which is included by id XXXX by saying I did not send them enough proof of address to look into my dispute so here I am including additional information labeled FEDERAL for my address. I have sent in several disputes with TRANSUNION regarding several unauthorized inquiries on my account supported by my letter to them. I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 1681 ( b ) -permissible purposes of consumer reports, so I am taking this complaint to the CFPB for remedy to enforce the law. I am also attaching my inquiry removal documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate non active account showing up as the outlined inquiries reporting and breaching my consumer privacy right.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is in reference to XXXXXXXX XXXX with account number - XXXX. 

This account is reporting with a balance of {$3500.00}. I have provided a copy of a letter PROVING that this debt has been sold to a 3rd party debt collector. This account is therefore inaccurate and illegal to report since the debt was sold to another company and needs to removed immediately.

This account is also reporting that the debt was Charged off in every month since XX/XX/XXXX and XXXX XXXX. This is fraudulent, inaccurate and incomplete reporting. This account Violates my right to 100 % accurate and verifiable reporting on my credit report and needs to be DELETED immediately.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting a negative report on an account that is outside of the 7 years statute. According to the report the original delinquency was XXXX 2010. 
XXXX XXXX XXXX XXXX is also reporting negatively for a delinquency they show reporting from XXXX  2010. 
XXXX XXXX is reporting twice on My report. Also showing accounts that show delinquent from 2010.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NV)

XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

as a XXXX XXXX XXXX I had an account with Capital One Spark. I authorized several employees to have a card to purchase materials, fuel, etc ... as to maintaining schedules and avoiding disruption. My book keeper convinced the card company to issue several cards in her name. She used those cards to live an extravagant life style until she bankrupted XXXX XXXX I, being owner of this account, never authorized her to have any credit card. She stole over {$500000.00} for merchandise that was obviously no part of XXXX. She is now serving a 7 year sentence in Texas State Prison. After several attempts notifying in written letter, Capital one says no fraud and they want me to pay {$40000.00} still on my account. I suggested they take the balance away from what was fraud, clear my credit, and send me a check for {$410000.00}.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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. (NY)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNT XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I pulled my credit report and noticed that there were inconsistent items. I drafted a letter outlining each item that I found to be inaccurate and requested that Experian disclose to me the documentation that they have on record regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent by certified mail and was notarized. The tracking number for that certified letter is XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Experian responded that the accounts were certified by the companies listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. Experian failed to provide documentation.

Experian also did not update my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2023-03-02
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION (CA)

I WAS SERVED A JUDGMENT FOR A CAR LOAN THAT I COULDN'T AFFORD ANYMORE AND LOBEL FINANCIAL HAS BEEN GARNISHING MY WAGES CLAIMING I OWE {$11000.00}. THIS HAS CAUSED ME A HARDSHIP WITH MY JOB AND STRESS WITHIN MY FAMILY.
Consumer complaint received 2024-03-22
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. (MI)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-03-22
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. (GA)

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 Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-05-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 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 any information any other adverse item of information, other than records of convictions of crime 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 reason to believe that the information is inaccurate. 

Account : XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX XXXX Account # : XXXX
Consumer complaint received 2023-03-02
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)

Equifax Hard Inquiry Attempts with FTC Report and still not removed as of XXXX XXXX requests for 2 hard inquiry removals and Equifax had all documents and FTC reports that needed to delete. The confirmation # s given to me by representatives were assuring me the inquiries were removed. 100 % not true!! XXXX XXXX XXXX confirmation # XXXX XXXX - XXXX from fraud lightly hung up on me while requesting the inquiry removals XXXX XXXX confirmation # XXXX XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX - XXXX confirmation # XXXX then hung up on me when I asked again about blocking accounts due to identity theft as hasnt been done yet and has been a year. 

XXXX XXXX XXXX - XXXX hung up on me when I asked again about blocking accounts due to identity theft which hasnt been done yet and has been a year. 

XXXX The XXXX hard inquiries to be removed are 1 ) XXXX on XXXX and 2 ) XXXX XXXX on XXXX. Again, the FTC report is attached as I am a victim of Identity Theft. 

There is no excuse for this Equifax needs to be held accountable and theyre not. It came to my attention that I had a mixed file with Equifax up until XX/XX/2022 so the fraud alert I placed on all three credit bureaus didnt appear on the updated combined report for Equifax XXXX XX/XX/2022. These inquiries occurred after I placed fraud alerts with all three credit bureaus on XX/XX/2022. Remove immediately.
Consumer complaint received 2023-03-02
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)

I recently received a copy of my credit report, and I noticed some accounts and inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-03-02
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. (OH)

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

OHIO 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 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 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 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (GA)

On XX/XX/2023 an unauthorized transaction of {$1300.00} appeared on my account. I then began calling to let BankMobile know I dont know whats happening and why all my money is missing. They then stated I would receive my money back in 5 days, Once the 5 days past I never received my money. They then said it could take 10 days, then they eventually said it could take 90 days. I eventually was able to speak with a supervisor and she filled in a request for me to get provisional credit which was eventually denied. On XX/XX/2023 ( Today ) I received a email saying the case is closed and there were no supervisor notations or any details on how {$1300.00} were missing unauthorized out of my account.
Consumer complaint received 2017-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
Consumer complaint received 2023-03-01
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)

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 already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-21
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. (TN)

I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Under federal law, Transunion had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. stating that your investigation was complete and the items listed were Verified. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. The information was not supplied in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
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 (MD)

On XX/XX/XXXX, I received a call from my mortgage officer that there was a fraudulent account reported by Capital One Bank on my credit report. I have no knowledge of this account, have never paid or received a bill. I was told that the account ends in XXXX. Now, Capital One is reporting to XXXX  that the account number is XXXX. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for a Capital One account ending with XXXX or XXXX. I immediately called the Capital One phone number XXXX, asked for Security, spoke to a rep ( XXXX ), who opened Case Number XXXX. She explained that their policy was to stop reporting this account to the three reporting agencies, conduct an investigation, and respond back in XXXX days. Received a blank Identity Fraud Information Form from Capital One on XX/XX/XXXX, completed and sent it to their fax number XXXX with my MD Drivers License photo and SSN card. I have placed calls to find out the status of my report with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or that it is my account because someone stole my personal credentials. The account is still showing on two of the three reporting agencies. I have filed a dispute with XXXX XXXX, and XXXX. Only XXXX has resolved this issue. I have received XXXX Dispute Confirmation XXXX to find that Capital One has deceitfully switched the fraudulent account number to XXXX. I need to have this issue straightened out and am upset that I have continued to be a victim of Identity Theft. I believe that Capital One has not worked on this investigation properly and very irresponsible in not contacting me on the status or trying to resolve this issue. I am unable to understand why this bank runs media advertisements to present themselves as an outstanding company when they are unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and Im still unable to have them stop reporting this fraudulent account. XXXX XXXX
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MD)

What is the reason you have closed my complaint # XXXX? 
I indicated that I was not satisfied with the response. They have only made things worse so far. 

Please review my notes and comments and responses. 

One department at Home Point is telling me the reason the taxes weren't paid is because they were not on the settlement statement and that upon running an escrow analysis they found there is a shortfall in the escrow account. 

Another department sent me a refund check for what I paid in taxes. However they indicate there is a shortfall in the account so why would they send me a check if there is a shortfall? 

Additionally the escrow analysis seems to have errors. But no one seems to be able to address this with me. I need someone to get my account straightened out. This is ridiculous.