davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Hello. 

I purchased my home about 2 and a half years ago and financed it with XXXX XXXX XXXX ( XXXX ). Recently I received a letter telling me the loan was sold to TIAA bank. 

TIAA Bank recently sent me a letter telling me my monthly payment is about to go up over {$150.00} a month. It has very little to do with increase in insurance and taxes premium, but it has to do mostly with a policy the have which apparently requires an additional 2 months cushion of the mortgage payment. 
I have discussed this with them several times and I just keep getting a " that's our policy '' from them. However I have expressed to them several times that I understand TIAA bank purchased the loan since I know this happens in the mortgage world, however they need to honor the terms and conditions of the original loan and those terms and conditions were not there. 
I did not sign the agreement with TIAA bank, but with XXXX. I don't think they can legally add additional terms and conditions to an existing loan. If they purchased the loan, they should have purchased the loan as it was. 

I have also requested a deep escrow analysis since there seems to be funds missing from the escrow account. Please help me resolve this issue. 

I'm a government employee currently in furlough and this affects me now even more. Thank you for your time. 

Regards, XXXX XXXX
Consumer complaint received 2023-05-11
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: AMERICAN EXPRESS COMPANY (CA)

I received two mails at the end of last month : 1. XXXX- for more documentations for the XXXX XXXX  that I never applied for dated XX/XX/XXXX. 2. American Express for same reason as above dated XXXX 

I contacted XXXX to freeze so no one can apply for credit cards or loans under my name. However, XXXX had the account made under my name also around the same time as the fraud tried to apply for the credit cards. This person has all my information including all the verified questions that only I should know because this person was able to create account with XXXX. I was also told that this person tried to apply for credit cards or loan with XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. There were 4 hard inquiries so far that I have found but there could be more on the way as I could not lock or freeze XXXX account. XXXX had the worst call representative that all said different things to me to handle the situation when the account was made by the fraud person.
Consumer complaint received 2023-02-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is my follow-up filing of complaint alongside my previous complaint dated XX/XX/XXXX. There are items that are fraudulent in my file and must be removed Immediately. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$120.00} XXXX OF XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/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 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 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 2023-05-24
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. (GA)

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
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: EQUIFAX, INC. (GA)

I have inquiries on my Equifax and XXXX credit report that I'm not familiar with and did not consent to, here is a list of the unauthorized inquiries : XXXX XXXX XXXX/ XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX, XXXX XXXX XXXX/ XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Initiated XXXX XXXX transfer payment on XX/XX/XXXX, XXXX for the XXXX and the next on XX/XX/XXXX. Chase Bank, back office cancelled the transactions without calling me to clarify the reason for the cancellation. They also froze my online access to my account. They were closed for Sunday, XX/XX/XXXX and left me without recourse till XX/XX/XXXX. 
They did not have the courtesy to call me back on XX/XX/XXXX, Monday. I had to call them on XX/XX/XXXX. 
What if it was a timely imminent life or death situation where I needed access to those funds? The situation would have passed and a death would have resulted!!! 
What if it was a timely investment opportunity? By cancelling those transactions, without calling me, Chase Bank would have caused me to suffer a loss of revenue due to their actions.
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (IL)

I've tried several attempts with Experian and XXXX  concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from XXXX  on XX/XX/19 and Experian on XX/XX/2019.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America has made it very difficult to set up auto payment of the Bank of America Bill. I have had ongoing contact with them about how to set up auto payment. Other credit companies have an easy process. 

By making it a convoluted process, Bank of America profits from late fees and interest from people who would normally set up auto payment on their bills. Interested to see if BoA late charges are higher than other Credit Card companies. 

In my case, I have spent hours on the phone with BoA to try to set up auto payment on my accounts. 

Normally, this would be a good case for a class action suit, but the law was changed to not allow this in XX/XX/2017. 

Please investigate why BoA has such a bad process.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-26
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. (MA)

I have disputed a derogatory mark on my TransUnion profile multiple times with no success or explanation why my dispute is being rejected. I cancelled my accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  due to shady business practices towards their military clients and failure to meet fiduciary duties. After cancellation of my accounts, the company continued to charge me for a life insurance policy that I had cancelled which ultimately resulted in an overdraft fee. I then called XXXX XXXX XXXX  to dispute the faulty charge and overdraft fee and they assured me that it would be removed. Months later I found it reflected as a derogatory mark on my credit report. I was able to successfully remove the mark on both my XXXX and XXXX profiles, however TransUnion remains insistent on keeping the mark on my report. I have incurred thousands of additional dollars on my car payment and my credit score has suffered dramatically for a false {$110.00} charge.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plant late for and purpose
Consumer complaint received 2023-02-27
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. (AZ)

This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : Transunion ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX This account was open without my consent and is a result of fraudulent. Remove this account.
Consumer complaint received 2023-02-26
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. (NJ)

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 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 XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WI)

The bank withdrew {$10.00} a month from my checking account when I was told that there would be no service fee charged, basically it was a free account. By the time I became aware of this, the account balance reached XXXX and the bank closed the account without my knowledge. I complained but I was ignored. At the same time, the bank opened a credit account in my name when in fact I asked them not to. Both constitute fraud. Can I be part of the settlement?
Consumer complaint received 2023-02-26
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an 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 2022-10-20
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One was suppose to close my account in XXXX but somehow did not do it. I had not used the account for over 10 years and also moved out of XXXX  in XXXX to XXXX. Not knowing that a company out of the blue added a charge onto my card that was supposed to have been closed years ago without my approval. I only found out because my FICA score had dropped from XXXX to XXXX. I reported it to Capitol one and they supposedly did their investigation for a total of XXXX dollars. They said it was mine even though I had not used this card that was supposed to have been closed 10 years ago. It was resolved in XXXX but than they reported it again to XXXX  and lowered my FICA score again. I keep telling them this is not my charge, I did not authorize it and I haven't done business with you in over 10 years. So they've lowered my score over XXXX dollars that I had no idea was happening because I did not get any emails or paper mail from Capitol One. I want my FICA scored corrected and CAPITOL ONE out of my life forever. 
Its been so long since I've done business with Capitol One I have not credit card numbers, receipts, or any other documentation from them.
Consumer complaint received 2023-12-04
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. (MI)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-02-26
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. (TX)

In accordance with the Fair Credit Reporting act 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 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.