davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

inquiries.. hard and soft are popping up on my credit report that I have no knowledge of. EX : XXXX, XXXX, XXXX, XXXX and much more .... can these items be removed please..
Consumer complaint received 2024-05-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CO)

Was not aware of this debt. Source management sent a letter to inform me of this. I talked to them and got nowhere. I have yet to see any proof that I owe this debt. When I asked for proof they said I had to write them a letter to ask for it.bif they have documentation they should provide it. Also this XXXX XXXX  XXXX XXXX Has not provided any documentation that shows I have any knowledge of this. One would think that source receivable would not just take XXXXXXXX XXXX request without confirmation. The nay thing I got from source management that XXXXXXXX XXXX sent them something that said it was a write off. I have no knowledge of that either. 

I have no documents to attach
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a few XXXX XXXX XXXX XXXX and. XXXXXXXX XXXX Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.
Consumer complaint received 2021-06-18
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: I.C. System, Inc. (GA)

I have recently been informed that there is negative information reported in the files you maintain under my Social Security number.

No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
I C System {$580.00} I C System {$360.00} I C System {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2022-11-14
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)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds for removal they also violated my rights under 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 Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX ( XXXX has it XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX The credit bureau took less than 30 days to complete my investigation, here is my complaint ID # XXXX opened on XX/XX/2022 but a lot of inaccuracies still. Now is not the time to update as they need to be removed!
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for the credit care card and got denied because i am XXXX and have no credit but am also looking to build credit. They suggested i reapply with a joint applicant so i applied wth my mom and again i was denied? I called to figure out why and the lady was rude took forever and did n't want to transfer me to someone who knew what they were doing.
Consumer complaint received 2016-04-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions. 

I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX, TransUnion, XXXX are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I opened a rewards checking account with Capital One and used it in large part because of the Rewards. Based on my usage, I had accumulated XXXX miles with effective value of {$120.00}. Capital One had promised " Miles never expire. '' Well, that is until one day I found out that my rewards balance was XXXX. I was told that the program ended and Capital One decided to take even the accrued rewards money away. I talked to a couple customer service reps, then went to the branch, but nothing helped. 

I find it as an Unfair and Deceptive practice to make me use their product mainly because of rewards and then evaporate the customers ' earned rewards one fine day. If I can not trust a bank to hoard my earned money ( rewards or otherwise ), who else can I? 

Additional Information : I moved from the XXXX to XXXX in XX/XX/2014. Capital One does not have the option to send communications to XXXX. It is possible they sent mails that I did not receive. I have not received any e-mail from them regarding this.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX the XXXX of 2022 my online banking was hacked and all my accounts drained. My bookkeeper and I noticed something strange while signed into Regions Bank On-line ; money was moving back and forth between accounts. When we attempted to stop this activity, we were signed out and unable to access the accounts again. We went to our local branch XXXX blocks away and sat down with our branch associate, XXXX. She pulled up our accounts and was seeing the same thing. All of our money was being transferred to the business account. She immediately got on the phone to contact any department that may be able to stop, explain, or halt what was happening. Every department she spoke with stated that it wasn't them, including the wire transfer department. My bookkeeper and I literally sat there watching the desktop computer screen with the Branch Representatives as all the monies in my account wire transferred away to an unknown source.

The branch manager assured me that I had nothing to worry about and that everything that was taken would be replaced within a few days. So, we opened new personal and business accounts. We closed all my other accounts save XXXX, in order to keep a connection with the incident. 

After several weeks of back and forth with the Branch Manager, I was told that Regions Investigators had found the account the monies had been wired to and that the Bank of the account had been notified. He told me that Regions was legally allowed 90 days from the point of the other bank 's notice confirmation to get the monies returned. After that 90 day process, he said I would receive my money. As of today, 108 days, I have not reimbursed what was stolen, nor given an explanation as to how it happened. I call my branch everyday for updates ; I am told they don't know what is happening nor when this issue will be resolved. I have spent days on the phone trying to contact anyone at Regions Bank, other than my branch reps, trying to find anyone who and shed light on the issue, but always end up repeating myself to customer service representatives with no answers or authority to escalate the call to anyone who might help.
Consumer complaint received 2023-02-12
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. (SC)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate. 

I have reached out to each reporting agency for a resolution but was not able to achieve XXXX. 

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 and number of Closed accounts that needs to be removed. 
XXXX XXXX XXXX date open XX/XX/XXXX. Not my account, XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through my daughter XXXXXXXX XXXX. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2023 XXXX XXXX XXXX used my social security number to open two different credit accounts. I have already received a resolution on the first one but was just notified today that a second one was opened at the same time. They did not have my permission to use my personal information in this manner.
Consumer complaint received 2022-12-16
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. (TX)

XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX  XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XX/XX/2022 UNATHORIZED INQUIRY
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: E MORTGAGE MANAGEMENT, LLC (FL)

the original loan offer was not what was on the closing statement. I was pressured to sign at the last hours before my previous mortgage payment was due. The facts of the new mortgage were never disclosed to me. EMORTGAGE added a point to the closing costs and manipulated the escrow to make it seem like the payments would be lower.
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. (CA)

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 2023-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

XX/XX/XXXX, Made a final monthly installment payment, prior to this as per contract told the store manager I was buying another car and to come pickup the vehicle to satisfy the title loan as stated in contract. The manager refused, twice and wanted me to drive the vehicle to the store. I explained I could not, it was not reliable and I have a XXXX son of which I couldn't leave unattended. The manager told me to try and sell the vehicle at XXXX XXXX, I tried but they don't buy rebuilt salvage vehicles. Then the manager said to try a third party buyer, they also refused to buy a rebuilt salvage vehicle and valued it at - {$500.00} for XXXX XXXX XXXX ; also tried to trade-in when bought new car, XXXX XXXX said no and quoted same value due to high miles and previous flood damage. Because it was sitting out in visitors parking at apartment complex, not tagged, for weeks awaiting for Title Max to retrieve, was warned it would be towed so I sold it to a junk car company who took it with no title, and towed it away for {$500.00}. That same day I paid about half to the Title Max company and explained to them what I did and why. 
There after they begin calling me numerous times a day, leaving messages, some 40 voicemail even after I requested they send me a mailing per the FCRA, they continued calling and I being made to explain over and over what took place and why. They said they weren't set up to bill by mail thus the numerous calls. 
I took this title loan out in XX/XX/XXXX and paid over the amount of the {$1000.00} borrowed on time until the rebuilt salvaged car broke down and I was told it would cost more to repair that what it was worth it was near XXXX XXXX XXXX. Title Max knew because the title said rebuilt salvaged vehicle. Now they're saying, by mailing I owe them {$1200.00}.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00}
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Wilber Law Firm, P.C. (VA)

The Wilber Lane Law Firm is harassing my company, XXXX XXXX in trying to collect {$2500.00} for a flood that occur on a townhouse that we do not own nor have ever own. 

See letters attached.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I purchased an item from Zales department store that had a 12 month no interest promotion. I received my XX/XX/XXXX statement stating in bald red print in second paragraph saying : " WARNING : Promotional Plan ( XXXX ) ENDING SOON! 
You must pay the BALANCE {$340.00} IF YOUR PLAN 12 MNTH XXXX INT LOW PMT IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARES '' ON XX/XX/XXXX i MADE A PAYMENT FOR {$340.00} THEN ON XX/XX/XXXX i WAS CHARGED XXXX INTEREST CHARGE THEN ON XX/XX/XXXX CHARGED {$9.00} AND XXXX ON XX/XX/XXXX ON XX/XX/XXXX i SPOKE WITH XXXX ID # XXXX AND HE CONNECTED ME WITH SUPERVISOR XXXX ID # XXXX WHICH SAID SHE WOULD FILE A DISPUTE THAT WILL BE MAILED OR COULD TAKE UP TO 90 DAY. 

XXXX I CALLED TO FOLLOW UP AND SPOKE WITH XXXX THAT XXXX ME TO XXXX ID # XXXX THAT WAS TELLING ABOUT A LATE FEE THAT'S IN THE UPPER RIGHT HAND CORNER STATE A XXXX FEE IF PAYMENT IS LATE AND MUST PAY THE MONTHLY PAYMENT THAT'S DUE ON XX/XX/XXXX OR ALL INTEREST WILL BE ADDED. THIS WASN'T CLEARLY STATED WHILE EXPLAIN WHAT'S DUE TO AVOID INTEREST.
Consumer complaint received 2023-01-03
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}