davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$85.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$35.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-04-15
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. (MI)

Please remove this account from my credit report. The Balance is incorrect. Transunion has it as {$14000.00} and XXXX has it as {$14000.00} The High Credit balance is incorrect. Transunion has it as {$13000.00} and XXXX has it as {$10000.00}. The Past Due amount is incorrect. Transunion has it as {$14000.00} and XXXX has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

In XX/XX/, the interest rate on my Discover credit card ending in XXXX, with the upcoming payment of {$230.00}, was due XX/XX/, which was paid. I called for a payoff balance of {$1000.00}, delivered via Cashier checks ( XXXX for {$10000.00} and check number XXXX for {$81.00}. These two checks were drawn fon XXXX XXXX XXXX XXXX ( my bank ) dated XX/XX/XXXX  and mailed priority mail that day to ensure their arrival before XX/XX/ per the representative I spoke with. Both checks arrive that Thursday. Discover processed the {$10000.00} and could not find the {$81.00} review until I called, asking why I still have a balance. They could not find the check until I filed a dispute for the missing check. Discover gave me a credit of half of what they claimed was still outstanding. XX/XX/XXXX XXXX I received an email stating that they found the missing check ; however, there is still a due balance on my account of {$130.00} when there should be a zero balance. Discover still charges me interest on a missing check they conveniently failed to post until XX/XX/, per my bank ( XXXX XXXX XXXX XXXX ). 
I spoke with a representative yesterday, and they were insulting, telling me that I still owe the outstanding balance because of the accrued interest, which I am disputing. 
What do I want? I want my Discover card balance to read zero because I have already paid what was owed and met their processing date of having the money in their possession. Next, I want Discover to reimburse me for the {$87.00} that I paid for the trouble they have caused me because if they can process one check, then why not both checks to pay off the outstanding balance? To me, this is an unethical way of doing business. It is borderline fraud. Lastly, I do not want a late payment appearing on my credit profile. I have an excellent payment history with Discover and my other creditors. 
Thank you.
Consumer complaint received 2022-04-15
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)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

1. XXXX XXXX  account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-04-15
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 (HI)

In accordance with fair credit reporting act XXXX  account # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX, has violated my rights # 15 U.S.C Section 602 A. States I have the right to privacy.

# 15 U.S.C 1681 Section 604 A Section 2 it also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

Company : New American Funding Mortgage Loan Officer : XXXX XXXX XXXX XXXX VA Mortgage Closed : XX/XX/XXXX Summary : Lender incorrectly disclosed annual property taxes during loan processing and upon closing of our mortgage. Six months after closing and moving into our new home, New American Funding discovered its error and passed the burden of the shortfall onto us. We are bearing the responsibility for their mistake. 


We closed on our VA mortgage with New American Funding ( NAF ) on XX/XX/XXXX. On XX/XX/XXXX, NAF ran an analysis of our escrow account ; they discovered they had incorrectly calculated the annual property tax information when creating our loan estimates, closing disclosure, and subsequent mortgage and note documentation. 

NAF notified us that an additional {$310.00} would be added to our mortgage payment every month, for as long as we own the home. Additionally, because the escrow account had been shorted every month since we moved in, we would need to pay another {$270.00} every month for a year, to correct the shortage created by their error and the hardship would be passed on to our family. When initiating the original loan process, we tried to be responsible and buy a home in which we would be comfortable with the monthly payments and had a specific budget in mind. With this new additional payment, this home is now out of our budget. If the correct payment of our mortgage had been disclosed at any point during the loan process, we would have searched for a different home to fit within our familys budget. 

After numerous conversations, New American Funding did concede to cover the back shortage ( {$270.00} x XXXX = {$3200.00} ) ; they consider the matter settled. I told them I did not consider this matter closed because we are still expected to pay an additional {$310.00} every month, which is {$3700.00} per year or {$110000.00} over the 29.5-year life of the mortgage from that point.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

This account is reporting an incorrect balance, The account is in fact paid in full, an was supposed to be deleted by XXXX XXXX per out pay to deleted agreement. The account is XXXX XXXX # XXXX the balance due is reporting as {$840.00} the actual balance is XXXX.
Consumer complaint received 2023-07-29
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (VA)

Fidelity has lengthy hold periods for deposits and transfers before they post into their checking accounts. When they do post, the balance in the mobile app does not reflect the balance you can use for credit card payments, which is deceiving. Because of this, I was charged multiple nonsufficient funds fees when I tried to pay my Fidelity credit card with my Fidelity checking account.

Additionally, Fidelity has lengthy holds for credit card payments. When you try to pay from your Fidelity checking account to your Fidelity credit card, it takes multiple business days. Recently, I paid my Fidelity credit card with my Fidelity checking account on XX/XX/XXXX, however, they said it would not clear until XX/XX/XXXX, which I thought was an extremely unfair wait. Because of this I was late on multiple bills and was told by bill collectors that I might incur late payment fees even though Fidelity was literally holding my money hostage ( i.e., the money was taken out of my Fidelity checking and posted into my Fidelity credit card, but I was not able to use the funds I had transfered ).
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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
Consumer complaint received 2023-07-13
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)

I recently did an investigation on my consumer report which caused XXXX  XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Consumer complaint received 2022-04-15
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)

XXXX XXXX XXXX is showing I have a {$10.00} current open balance for my XXXX account. However, XXXX is not reporting properly on a monthly basis to XXXX. What they are reporting is a XXXX balance and closed account. XXXX I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from XXXX showing what is owed. XXXX finally sent me the letter. 

I've spoken to 4 different XXXX XXXX XXXX supervisors over the phone and no one could help me. I went to the XXXX dealership to explain the situation to the account manager. They immediately called XXXX XXXX XXXX- they could not rectify the problem. As of today XX/XX/22 XXXX and Experian still show that my XXXX account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (IL)

Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XX/XX/2023 SYNCB/PAYPAL XX/XX/2023 XXXX CARD SERVICES XX/XX/2023
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. 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. I need the following items to be deleted from my file right away. 
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 2023-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I been Permanently XXXX since XXXX, and i been trying to get these loans TOTALLY PERMANENTLY FORGIVEN since XX/XX/XXXX. 

I am XXXX XXXX, i am Permanently XXXX and the company that i been dealing with, keep saying that i have to pay {$240.00} a month, which i can not afford. I am on XXXX, and i am living on a very tight and low income. 

A few years ago i started paying on these loans at {$140.00} a month. Now they want me to pay {$240.00} a month, inwhich i can not afford. 

I sent paperwork to have these loans Totally Permanently dismissed a few times, they keep say thzt they never have received it. 

I just printed off the forms AGAIN. And i will be sending the paperwork certified mail, to make sure they get them. 

I talked on the phone and on onlins to them and they are not helping me at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank has continued to contact members of my family and place of employment despite me telling them on multiple occasions to only call my cell phone number. I originally worked out a payment plan in XXXX after they contacted my brother. Months later, in approximately XXXX, on a different matter, they contacted my husband giving him great detail regarding the amounts owed as well as my employer despite me telling them I can not speak to them at work. Within the past couple of days, they have contact my husband no less than three times. I have contacted them since and reminded them that they were not to contact anyone else and extended the payment plan that I had originally worked out in XXXX.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2022-12-04
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. (MI)

In accordance with the Fair Credit Reporting act, the following 8 companies : 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 XXXXXXXX Amount : {$730.00} XXXX. XXXX XXXX XXXX. # XXXX Amount : {$670.00} 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 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (AR)

I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional payment everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled.