davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-12
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. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (NJ)

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership According by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}.
Consumer complaint received 2022-11-28
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has viloated my federal protected consumer rights to privacy and confidentiality under 15 USC 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  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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-03
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. (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. 

XXXX XXXX XXXX : XXXX XXXXXXXX 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 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 2023-05-26
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. (NY)

This is XXXX 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 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IA)

I am 14 years XXXX XXXX and currently a XXXX. This company is refusing to honor my Ohio SCRA rights. The purposefully put in Tennessee as the state for the SCRA request to sneakingly deny me. Then they took one foot note and used that to completely deny my benefit of lowering my interest rate. Ohio is a key provisional state that extends the law to any liabilities and obligations received after serving and up to 180 days of separating from the military. The following request was sent to the company : I am requesting Ohio SCRA benefits to be applied to my loan account. The first time I requested Ohio SCRA benefits I was told I was denied and that my home state on my request was Tennessee when my written requested specifically requested Ohio. My XXXX was also sent to show that I am a resident of Ohio. My second request was denied because of the representative stating that she further reviewed the law and the footnote stating that : Ohio Law Note. The term obligation is defined as, any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of a contract or other transaction for the purchase of goods or services. Ohio Rev. Code Ann. 1343.031 ( A ) ( 2 ) ( West 2004 ). 
But that does not matter because the federal law was addressing OBLIGATIONS and LIABILITIES. The unsecured loan I have with One Main is considered a liability. A liability is money you owe to another person or institution. 
7.1.1. Covered Debt Obligations The 6 % interest cap applies to all obligations and liabilities incurred by a servicemember, individually, jointly with a spouse,166 or in the name of a closely held business entity.167 In addition, courts have held that the cap applies to XXXX  XXXX repayment plans168 and foreign judgments.169 In contrast, some state courts held that the interest protections do not cover debts incurred by servicemembers during or after active duty ends.170 Moreover, debts incurred solely by a servicemembers spouse are not eligible for the 6 % interest cap under the SCRA, but may be under the Ohio Revised Code.171 If my request is denied again I would appreciate a denial letter specifically stating why I dont qualify for Ohio SCRA benefits. Thank you hope to hear from you soon! 

Any help on getting this matter resolved would be greatly appreciated this is the only financial institution that refuses to honor my Ohio SCRA benefits. Thank you.
Consumer complaint received 2023-06-15
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

Citibank has neglected to resolve the billing error issues in compliance with 12CFR1026.13 ( e ) and ( f ). Nothing in Citibank 's response remotely addresses the billing error issues raised in the initial dispute. Citibank does not address whether they agree if the billing errors complained of occurred. Nor does Citibank explain why, in their openion, such billing errors did or did not occur. Citibank simply evaded the disputed billing error issues in clear violation of the above federal provisions. Accordingly, the procedures for forfeiture are to be observed by this regulatory agency in accordance to 15USC1666 ( e ), and Citibank has accepted the terms and conditions of the billing error notice requiring they Cease and Desist any further collection efforts of the stated amount for breach of the Truth in Lending Act. The statue requires Citibank to send me a written reason to my questions/ issues not to call me! They did not satisfy the billing resolution error. Citibank must answer the questions regarding the billing error. Citibank is being very deceptive
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VICTORY MORTGAGE, LLC (OH)

I closed on a new home on XX/XX/XXXX. The processing agent indicated I would not pay an application fee due to internal shuffling of my application in XX/XX/XXXX. While I did not pay that app fee up front upon the application processing, they instead added the fee on my Closing Disclosure document. They continue to insist the fee was not charged to me. However, there is no indication on my CD that this fee was credited to me and the cost details suggest I paid it within the cost to close my loan. They insist it was added to my closing disclosure document for " compliance ''. 

I accepted the closing disclosure document on the condition that the {$310.00} dollars would be refunded. I was assured by the agent a check would be provided at closing. 

However, now more than a month later, I have yet to be provided a check despite emails to the bank and speaking with a member of management. The bank continues to press that I didn't pay that fee, however the cost is listed on my Cost Details. 

In writing the agent provided assurance that the {$310.00} dollars would be refunded, which I accepted as condition to accept and sign the Closing Disclosure document.
Consumer complaint received 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a statement from Capital One/Walmart stating that I had made charges. I do not have a Capital One/Walmart card . The statement was sent to my previous married name. I have remarred over XXXX XXXX years ago and my name has changed. The charges totaled over {$540.00} and I have since learned upon calling Capital One that the bill is over {$800.00}. I was out of town when this card was issued ; therefore, I couldn't have opened this account. The purchases were made at Walmart supercenter # XXXX in XXXX XXXX, Id. and XXXX which is cable company. 
I received a letter from XXXX who works with the Idaho Department of Health and Welfare stating that they had a Data Breach and my data could have been stolen. At the time I was on Health and Welfare with Idaho my last name was different than it is today. That was over 13 years ago.
Consumer complaint received 2023-07-20
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-20
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: BARCLAYS BANK DELAWARE (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-20
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 6 o 2 states I have the right to privacy.

15 USC 1681 section 6 o 4 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 2022-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contact Transunion, XXXX, and XXXX about hard inquiries on my report. I got the most push back from Transunion and XXXX but all XXXX told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.
Consumer complaint received 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act Capital One # XXXX, Capital One # 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 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX & XX/XX/XXXX, two different unauthorized transactions ( {$1500.00} each ) amounting to {$3000.00} was sent out of my Wells Fargo saving account via XXXX without my authorization. Due to the fact Wells Fargo is not my primary bank, I did not notice these transactions until XX/XX/2023, I immediately called Wells Fargo and filed a dispute ( Case number XXXX ). I was told that the investigation may take until XXXX business days for a resolution, and Well 's Fargo instructed me to change my username/password for security purposes. Today, XX/XX/2023, I received an update from an supervisor that my case has been denied. I was very shocked, as without doubt I did NOT make or authorize these transactions. I went straight into the branch and the branch manager filed an " Escalation complaint '', the complaint number provided is XXXX. I was told it would be assigned to a member of the executive office within XXXX business days. 

Well 's Fargo does not understand or seem to care that this money is my livelihood and savings, and they do not seem to be taking it serious. Within XXXX hours they had a decision, when I was told it takes XXXX business days, they clearly rushed the investigation and didn't do proper due diligence. I attempted to reach out to Wells Fargo at XXXX PM and spoke to XXXX XXXX - Customer Advocac. I have filed a police incident number and that is XXXX, XXXX XXXX Police department and I have also filed a fraud alert with XXXX XXXX XXXX ( mobile provider ) because the fraudulent person may have gotten access to my credentials some way or another, both are attached below. 

I am demanding full credit of {$3000.00} back to my account and for the person who did this to be held accountable.