davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Will Portfolio Recovery Associates , LLC remove the account from my credit reports after it has been resolved? 
Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately XXXX  days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a U.S. citizen with a valid passport travelling abroad. I received a letter approx. 2 weeks ago at my virtual mailbox in the U.S. that Capital One requested I update my physical address or that my account would be limited and closed. Upon receiving this letter I immediately called the bank and after speaking with several people, including a manager, they allowed me to use my mailing address as my physical address and ensured me that my account would remain open. This is on a recorded line. A day later, my account was closed and I am unable to access my funds. Mind you, I have 2 credit cards with the same bank who are also aware I am outside of the U.S. travelling abroad and allowed me to keep the credit cards open. This is not justifiable in any way, shape or form. I now risk becoming homeless in a foreign country because I can not access my funds and the bank wrongfully closed my account. I am in the process of contacting a consumer protection attorney as well. I would appreciate if you can look into this immediately. There is a recorded conversation of the bank manager authorizing me to use my mailing address as a physical address with her ensuring me the account would remain open.
Consumer complaint received 2023-08-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Over the past four plus years I have filed 6 mortgage related complaints about the servicing of my mortgage by Wells Fargo and XXXX. All of these complaints have followed the same course in that the XXXX forwards them to the named corporation, they respond by saying they did nothing wrong, I reply with my feedback and the case is closed. Seeing that the XXXX is the enforcement agency when it comes to violations of mortgage laws and regulations, I would like to know how or when is it enforced other then compiling a list of complaints submitted by consumers and if enough complaints are received about a specific corporation an investigation is conducted and fines are administered. How is this considered enforcement when nothing is done to stop, as in my case, the continuation these violations while they are occuring resulting in the illegal foreclosure continuing until the home is lost? As it is now it would be like calling the fire company when your catches on fire and being told that they will be there once its done burning. Does not do much to help after the fact. All this has done is to allow the mortgage companies do as they please. As in my case where the initial filing of foreclosure violated the Dual Tracking law, mis handling of escrow funds, fraudulent theft of escrow funds, two years of deceit and incorrect amounts charged to the account as it was transferred to XXXX in XXXX of 2021. The continuation of foreclosre while in an 18 month forbearance with documents stating it was in forbearance and no foreclosure activity would take place to include the violation of servicing requirements for a VA backed loan. Even after reporting this to the XXXX, hiring an attorney, going to court only to find the judge not knowing these laws, I am now faced with a new sell date. Would you please explain how this is enforcement of the law.
Consumer complaint received 2023-06-06
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ( Original creditor : 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 2024-03-25
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: EQUIFAX, INC. (FL)

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 XXXX  XXXX XXXX, 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
Consumer complaint received 2022-11-25
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. (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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 602 : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681c ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1A ) 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem. 

Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX. 

The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem. 

TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-05-16
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: Experian Information Solutions Inc. (IL)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my Privacy rights.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been sending in the proper paper work to all three credit reporting agencies, the agencies refuse to verify my debit with any original signed agree with me and companies in question. I also have been a victim of identity theft. I would like my report to be correctly reported.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TN)

On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2023-06-06
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. (MD)

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 XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}
Consumer complaint received 2023-02-25
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. (CA)

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

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # 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 2024-02-29
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)

I Sent my letter off on ( XX/XX/year> ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The XXXX XXXX XXXX XXXX XXXX send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.
Consumer complaint received 2023-06-06
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-06
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-06
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. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX  XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

To whom this may concern, On XX/XX/2023 I received an email from an employee at Caine & Weiner notifying me of my debt with XXXX XXXX XXXX XXXX of XXXX dollars ( included in attachment ). As such I decided to settle my debt directly to XXXX on XX/XX/2023. On XX/XX/2023 I replied to Caine & Wainer 's email notifying the employee that I settled the debt directly with XXXX. 

On XX/XX/XXXX I received a letter in the mail from Cainer & Weiner written by another employee that I still owe XXXX dollars and that the creditor is XXXX XXXX XXXX XXXX ( included in the attachment ). 

I have notified XXXX 's XXXX branch Caine & Weiner just contacted me again. I also notified the two employees from Caine & Weiner that I settle the debt directly with XXXX ( included in the attachment ).
Consumer complaint received 2023-05-16
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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: Foursight Holding LLC (MO)

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put 20+ hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2023-05-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My credit report shows my name being different people, it also has my current address wrong, different balances on accounts. I have paid credit repair companies to try to remove items from my report, I want my credit report accurate, I have a lot of bad inaccurate information on my credit report, please fix these issues, Thank You