davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

CAPITAL ONE AUTO FINAN ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OH)

I previously made a complaint to the CFPB, at that time I told my experience to a representative and she paraphrased my statements. I dont feel like my experience was accurately detailed, which allowed the bank to respond by simply justifying the actions of their employees and denying any fault. 
On XX/XX/XXXX I applied for a loan to refinance a mortgage. My loan officer was very accommodating, she quickly called me right after I applied for the loan. From them on she quickly responded to calls and emails. Once the loan went to underwriting, she became more difficult to reach. At that time, I also had a loan processor that I was communicating with and providing the requested documents to. 
On XX/XX/15, I received my first closing disclosure I had several questions, some things were just me misunderstanding the document, and just needing further clarification as to how the payoff amount for the mortgage was calculated. However, I was also paying off a vehicle loan with this refinance. The payoff amount for the vehicle was incorrect. I wasnt sure why it was incorrect so I was asking if there were fees I didnt know of. I asked my loan officer to call me to discuss my questions but she did not call, just emailed me back. In her email she suggested the different amount was perhaps that I wasnt accounting for the interest that would have to be paid. She suggested I call and ask the vehicle loan department. All my loans are through this same bank, when I called the vehicle department, she even suggested the loan officer could have called her so o wouldnt have to. After speaking with the vehicle department, my question still wasnt answered, so I emailed the loan officer and processor again. The amount of the discrepancy could not have possibly been interest, but my loan officer stopped responding to me at this point. I havent heard had any direct contact with her since XX/XX/15 The loan processor responded and stated she wasnt sure why the wrong amount has been entered for the payoff amount but she would send it to the underwriter to be corrected and I would receive a new closing document with the amount corrected. 
I then received a new closing disclosure with the amount corrected, but my closing costs had went up by {$20.00}. I contacted the loan closing representative to question why this amount had changed. His email response was very short and dismissive. He informed me that the title department had increased their fees so the bank had to match it. I responded back and asked if he was suggesting I should contact the title company myself. He responded that I could and he didnt create the fees and he wished he knew why it changed. 
So I called the title company, while I was at work. To ask about the increased fee. She looked into it and told me it was a computer glitch and that she would email the closer to have him remove it. 
He did not attempt to even look into this problem for me, I did it, while I was working.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity.
Consumer complaint received 2020-03-08
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/19, BBVA called and told me checking account XXXX was overdrawn. I told them that this was some mistake. The account had not been used since XX/XX/19. 

On the afternoon XX/XX/19, the account was frozen, debit card ending XXXX was reported stolen and dispute ticket XXXX was opened. On XX/XX/19, I received a letter dated XX/XX/19 stating my dispute had been closed and denied. 

The BBVA Card Fraud Group opened and closed this dispute the same day. The bank 's fraud department never contacted me about signing a fraud affidavit, copies of the police report or the identity theft report. Again BBVA has violated Regulation E. 

The bank also shows this dispute ticket is still in progress even though they closed the dispute investigation within a few hours the same day it was open.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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

15usc section 1681 602a state i have the right to privacy.

15 usc1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1681c ( a ) ( s ) states no consumer reporting agency may make an consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 usc 1681s-2 ( a ) ( 1 ) states 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the XXXX  record in my report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ref No.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-11
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)

Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, XXXX, XXXX, and Experian have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF 1999! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XX/XX/XXXXand below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME :XX/XX/XXXX
Consumer complaint received 2024-09-12
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NH)

XXXX I received a letter from XXXX XXXX ( my mortgage company is Atlantic Bay XXXX stating I did not have hazard insurance. I pay my homeowner 's insurance via escrow. As you can see in my documentation, my insurance is listed as being due XX/XX/XXXX. Atlantic BayXXXX XXXX XXXX not pay the insurance until XX/XX/XXXX, despite multiple XXXX way calls with them, the insurance company ( XXXX ), and myself. While late, it was eventually paid, and I was under the impression all was back on track. 

Fast forward to XX/XX/XXXX. I receive a check from XXXX but don't know why. I did not cancel the insurance. 

XXXX I received a letter from XXXX XXXXXXXXAtlantic Bay XXXX XXXX XXXX insurance expired and I need to get new insurance, which I did the same day I received that letter. 

XXXX I receive another letter from XXXX XXXXAtlantic Bay stating I do not have insurance and need to purchase it. I try, unsuccessfully to get ahold of someone at XXXX XXXX to get this straightened out. Their automated system puts you in a virtual loop, never allowing you to talk to a person. I ended up calling the person who originated my loan with ( XXXX XXXX ) to try to get this resolved. He handed my case over to XXXX XXXX. 

In the end, it turns out that XXXX XXXXAtlantic Bay wanted me to purchase an expired insurance policy for the period covering XXXX. No where in any letter they sent me was I directed to purchase an expired insurance policy. 

In the end, they made me pay for an expired XXXX XXXX XXXX policy even though they failed to communicate with me that this is what they expected me to do.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (SC)

Mercedes Benz Financial Services Fraud department placed a block on my account and restricting me or XXXX customer to take payments from me and removed my auto pay from my account. I called the fraud department and talk to XXXX and XXXX and they both stated I was not able to make payments to my account until its cleared from fraud. So I mailed payments to them and a week later XXXX account receivables sends them back and I call every single day to make a payment and customer services says it want let me apply any payments towards your account! Superviser from Customer Service also documented this account heavily that I was trying to pay but fraud had my account blocked and no one can make payments! So XXXX XX/XX/2023 I got a call from customer service with XXXX saying that the fraud department removed the block and now all payments are no allowed to me processed. so I made all payments and 3 payments ahead. but now they put a 30 day late of my credit file and I wasn't late and was told I wouldn't be responsible for payments until the fraud department releases the block. This is so wrong to block someones account and collect there money and then put a 30 day late on your report when they wouldn't take payments.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX  XXXX bal. {$83000.00}, XXXX XXXX bal. {$820.00} XXXX XXXX XXXX XXXX  XXXX Close, XXXX  XXXX XXXX XXXX. {$69000.00}, XXXX  XXXX XXXX XXXX. {$75000.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2022-11-11
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX FINANCIAL XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (ID)

I received application denied from Discover Card. I never have applied for this card. The letter said contact Federal Trade Commission Identity Theft which is what Im doing. I have received 3 letters saying they have denied my application because they were unable to identify information. I have NEVER applied for this card.
Consumer complaint received 2020-03-08
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (OH)

I submitted a letter to the XXXX Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$750.00}
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (NC)

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 ) and section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under law 15 USCS 1666b a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose or have unauthorized hard inquires on their report without consent from consumer.