davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-03-26
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2021-06-17
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management sent me letters claiming I owed money. I am a victim of identity theft and so I have no idea what this debt is about. To make matters worse, they recently sent me a letter claiming they are going to sue me which makes no sense since I never injured them, and I never did business with them. I never signed any agreement to do business with them. This debt is completely fraudulent and I am a victim of such fraud. I went to my local police station to file an identity theft report, but they refused to let me file one. They directed me to the ID theft website, and now I am submitting this to rectify this fraud situation. In the event Midland Credit Management chooses to follow through with a lawsuit, this complaint is my formal notice to Midland Credit Management that the CFPB is aware of my situation and that Midland will be liable for suing a victim of identity theft. I am also prepared to file my CFPB complaint into the record if it comes to that.
Consumer complaint received 2022-03-26
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. (NV)

TransUnion is reporting the following account XXXX XXXX XXXX XXXX XXXX inaccurate. TransUnion reported the account closed on XX/XX/2022 with a balance increased of {$1000.00}, which was inaccurate. On XX/XX/2022 I called and spoke to TransUnion over the phone about the inaccurate reporting and to remove XXXX XXXX XXXX XXXX from my report, once I got off the phone TransUnion Reopened the account on XX/XX/2022 same day. I called Transunion back the very next day on XX/XX/2022 and stated the inaccuracy & errors they have made a was told by a representative that they removed the following account XXXX XXXXXXXX Auto Finance XXXX. On XX/XX/2022 TransUnion closed the account XXXX XXXX XXXX XXXX XXXX once again. The payment history TransUnion is reporting for this account is missing, the last day active, the last time reported, high credit balance, & the date reported as opened are all incorrect and reporting different. TransUnion has violated my consumer rights and is continuing to misreport inaccurate information to my report. I have enclosed all documents of proof of all their errors along with my most recent TransUnion report and ID. This is Fraudulent and violation of the FCRA. My rights to privacy has been violated from TransUnion.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 day late remark on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 Bankruptcy XXXX
Consumer complaint received 2020-03-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2020 @ approximately XXXX I spoke with NFCU Loan Specialist, XXXX , and applied for a VA IRRRL . XXXX gave me rate of 2.875 % with 1/4 % drop down reduction if interest rates dropped with zero points and zero origination fees. 
XXXX said a loan officer would be assigned within 24-48 hours, and that I would, per Maryland Law, receive the loan estimate within 72 hours. 
After 48 hours passed and no Loan Officer assigned, I called and spoke with XXXX, who said NFCU was working on the paperwork and loan officer and loan estimate would be completed by Friday morning ( XX/XX/2020 ). 
Friday morning nothing had changed, so I called NFCU again and I spoke to XXXX who claimed that they were too busy and that " Maryland law didn't apply because they were so busy ''. I then requested to speak to a Manager and I spoke to XXXX, who said he was aware of the Maryland 72 hour law requirement and claimed the issue was because NFCU had to manually process my application but couldn't give *any* explanation for why. He then said he hoped they would have the loan estimate to me by Friday afternoon. 
It did not arrive. 
I've sent multiple emails to the email address for NFCU mortgage. They have punted and have offered no solution. 
Today, Monday, XX/XX/2020, I called again. I first spoke to XXXX, who said she was going to note my concern including my having spoken to the Maryland AGs office, who I am also going to file a complaint with as well as the XXXX, and then transferred me to her Manager, XXXX, who essentially repeated what XXXX, XXXX, XXXX, and XXXX said. 
NO ONE at NFCU seems to have any idea what they are going. 

It appears NFCU is engaged in a a bait and switch tactics to get Veterans to apply for IRRRLs, offer a rate but let the 72 hours loan estimate requirement pass so they can then claim the rate is no longer an option. 
My last two calls with NFCU of them acknowledging the rate I was offered is recorded, both by me and them. 
I am cc : ing the Maryland Attorney General 's Office of Consumer Protection and the XXXX  XXXX  XXXX. 

NFCU was/is required my State of Maryland Law to provide me with a loan estimate with the rates and terms I was offered ... 2.875 % with 1/4 % drop down reduction if rates dropped with zero points and zero origination fees. They must honor those terms and provide loan estimate and process my IRRRL Loan accordingly. 

I do not have credit issues. My scores are in upper 700s-low 800s. I  uploaded all required documents within minutes of after hanging up with XXXX to ensure everything was submitted before Loan Officer was assigned. NFCUs unwillingness to address the issue/provide the loan estimate and it now being nearly 7 days since I applied for the loan and no explanation of any kind of why they haven't provided the loan estimate is why I believe they are engaged in bait and switch tactics.
Consumer complaint received 2021-06-17
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: National Credit Systems,Inc. (WA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of XXXX, I had to get a root canal. At my dentist 's office, I was told about Synchrony Bank and something called CareCredit where I could get a loan to pay for this medical cost. At the time, I thought it a good idea because I was told by a representative of Synchrony Bank that it was a promotional finance loan where the first year of payments would be interest-free and any remaining balance after the initial twelve months, I would then be charged interest on that balance. I signed up for the service and the secretary at the dentist 's office printed the paperwork out for me. I took the paperwork home and looked it over. I then called Synchrony again to ask more about the loan. I was told a second time that the first year would be interest-free on any payments I made. 

This turned out to be partially true. While I did not pay any interest in the first year, because I carried a balance in XXXX of XXXX, the company than turned around and tacked on all the interest I did not pay over the year to my remaining balance. When I questioned them about this, they told me that it was clearly printed in the paperwork on each statement that deferred interest would come due if I did not pay the whole loan by the end of the year. 

I found their promotional deal deceptive for this reason, two different reps when explaining the details of the loan did not mention having to pay deferred interest, instead, they highlighted no interest for the first year and paying interest on what was left in the second year. 

I have looked over the paperwork, which I held onto. And while I can see now that it does indeed state that to avoid paying deferred interest payments, I must pay all of their promotional loan in full at the end of the 12 month period, no one took the time to make sure that I fully understood this. 

I do take responsibility for not looking over everything more carefully. My issue is with the way that this loan was advertised to me with important details verbally left out and giving me the impression that the product was one thing when in reality it was something else. 

At XXXX XXXX, for instance, when I took out a loan there, the banker took the time to explain all of the details and what they meant. If I had known, and I do take partial fault for this, but if I had realized the exact terms, I would have gone to XXXX XXXX where I could have gotten a much better interest rate. 

When I spoke to one of the managers at Synchrony Bank about this, I found her arrogant and patronizing. She also told me that how the employees at the bank explained the terms of the loan were not relevant to my situation and then she hung up on me.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (FL)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX 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 Late Payment XXXX XXXX XXXX
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

In late XXXX I obtained a credit card through Capital One, I activated the card for use and stuck it back in it's envelope because I had no need for it yet. In XXXX of XXXX I went to XXXX XXXX Basic Training, leaving the card behind all but forgetting about it, and sometime in early XXXX I asked my parents to send my important documents to my new station, my credit card was included in these documents. Then in XXXX of XXXX I deployed, again, still haven't touched let alone used the card up until this point. I returned in XXXX and a month or so later I needed a new car so I turned to the credit card to see how much I had balance-wise because at this point I couldn't remember how much it was worth, so I logged into Capital One, and noticed there were two separate transactions ; one for roughly {$100.00} and another of about {$200.00}, both from ATM 's but I couldn't see where, I tried a couple times to get ahold of someone so I could get it sorted out, I even followed the websites instructions to try and report it but I was just taken to website after website to no avail, I recently got in touch with a representative who advised me to report it through the police and said he would send me the documents for the bank statements since I no longer have access to the account, I'm completely locked out of it, but it's been a few weeks now and I've received nothing so I wanted to try to bring this here before I try to call and file a police report.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-17
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: CB1, Inc. (MT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-31
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. (TN)

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

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXXXXXX XXXX XXXX Account # beginning with 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. I did not give them 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 2020-03-17
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. (FL)

for several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. the bureau has failed to do so and only responds back with a general " verified '' response. they havent indicated how it was verified, who they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. this is in violation of FACTA & FCRA.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX  beginning with 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. I did not give them 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 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Need to lift freeze for student loan application. There is no customer rep, no email, no chat, no way to talk to someone at Experian. When I try to lift my freeze temporarily I receive an error that says to call. When I call there are no options regarding unfreezing and there are no options to speak with someone. If they do not have representatives they should not be in charge of credit.