davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (FL)

Dear Transunion 2 hard inquiries were falsely register on my credit report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/2022 {$0.00}
Consumer complaint received 2022-10-05
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries and addresses from my credit file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2020
Consumer complaint received 2023-01-06
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)

I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX XXXX   never worked there XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I have been having multiple issues with chase recently the biggest one is FRAUD. How chase bank handles fraud is ridiculous they dont really look into the case and quote on quote solves the issues within 5 days which to me is very little time for a fraud case. I have had a total of XXXX fraud cases for XXXX from XX/XX/2022 in the amount of XXXX, XX/XX/2022 in the amount of XXXX XXXX XX/XX/2022 in the amount of XXXX XXXX and XXXX on XX/XX/2022 in the amount of XXXX XXXX All of these were solved in 5 days which is one not enough time, XXXX they ask for more information to be sent through the mail which takes 2 days to receive so that alone is not at all fair. All of these were ruled as not fraudulent which chase has allowed XXXX to be taken from me at which I have done everything I have sent them information through the mail as they request but they say they never receive the information, I have filed multiple police reports regarding this issue and still chase will not reverse the transactions and take money which results in my account being negative. I have seen I am not the only person who banks with chase to have these issues with chase not taking fraud seriously. If needed, court will be an option as this is ridiculous. I want those transactions which is fraud to be given back to me which the total amount is XXXX for those 5 months that is all I am asking as I have cooperated and sent information it is not my fault the bank did not receive that information and doesnt allow enough time before they make a decision on a serious issue. I also want all the insufficient funds fee reversed on XX/XX/2022 as I got paid but those fees put me in the negative again XXXX $ insufficient funds fee is a ridiculous amount. You all said the limit was refused but that is not okay as you all took The total is XXXX $ even though the negative balance was paid off not I am negative again. When you all send mail XXXX dont get that mail piece until about XXXX days at which you all in that time frame close the case which is not at all fair. Please give me my money back. Thank you.
Consumer complaint received 2022-10-04
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. (FL)

I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Date : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXX . 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX XXXX, XXXX, PA XXXX, Equifax XXXX XXXX XXXX, XXXX , GA
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

The following company continues to call me from a variety of numbers, usually numbers associated with area codes my family or I live in. The numbers that they use can not be called back as they are usually disconnected immediately or someone answers who claims to never have made the call in the first place. I've offered to pay them back using an online/XXXX, mail, or in person process but they insist I give out my debit card or banking information over the phone. I don't feel comfortable doing that, especially when they call me from a different number multiple times on a daily basis. Any help you can provide would be appreciated. 

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (NV)

I put in an order for a XXXX XXXX XXXX in XX/XX/2020. Upon putting down my deposit I was given written confirmation on their web site of {$4500.00} down and {$430.00} a month. If you currently build and order a XXXX XXXX XXXX on their web site today it shows {$4500.00} down and {$400.00} a month. Unfortunately none of these terms are ever offered by Tesla or their finance partner. Once I applied for financing the terms changed to {$7000.00} down and over {$550.00} a month. I have been asking Tesla now for two months to address why the terms advertised on their web site can not be matched. They kept telling me not to worry, they will adjust it and match the web site prior to my car arrival. Two days before my car was delivered and one day before I had to turn in my old car who's lease had expired, they finally revised the terms NOT matching their web site.They adjusted the terms down to {$4800.00} and {$510.00} a month. I was told take it or just cancel. I have perfect credit, long job time, very high income and high net worth. I'm a homeowner and I believe my credit score is in the mid to high 700 's with zero blemishes. The sales people tried several times to tell me the difference was taxes. However, I know the taxes are only {$39.00} and it was confirmed on their estimate. I asked several times for the finance manager to call me. They refused. According to my calculations the money factor was excessive and about double what was in the market. I believe their finance company can not match their advertised rates. This is false advertising. I'm sure they just normally blame it on some issue with someone's credit etc. But with me they had no excuse. Just refused to talk with me about it and told me to cancel. Left me with no car. Rude and in my opinion illegal. FALSE ADVERTISING
Consumer complaint received 2019-02-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have spoken to several representative in both escalations as well as customer relation as well as customer service. I am extremely disappointed in the issues I have been having since I was just transferred to Mr. Cooper. It seems that each representative has their own different interpretation of the Mr. Cooper Transfer Guarantee that I find to be a very disturbing. I have spoken to several teams members, who say they have made notes on my account. My account was official transferred to Mr. Cooper on XX/XX/XXXX. I arrived back in the country from my XXXX/XXXX XXXX Vacation While on my vacation, my mother sent a payment to my mortgage holder. When I came back and found out about the transfer I had my mother cancel payment. I was told by a representative with Mr. Cooper that I could have an investigation started in which I declined because my mother canceled payment. I gave the wrong payment account, however, I was advised that the XX/XX/XXXX, and XX/XX/XXXX would not be reported delinquent, access late fees due to the transfer, messages relayed to me, and then of course the Mr. Cooper Guranteed. 

I was very disappointed to receive that a verification of mortgage was sent stating that XX/XX/XXXX and XX/XX/XXXX was delinquent. I was promised that I was not delinquent and if I made payment by XX/XX/XXXX ( in which I made two payments ).
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I am disputing the Account XXXX XXXX Balance Owed : {$34000.00}. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (FL)

I applied for a US Bank Signature Rewards credit card at the end of XXXX or early XX/XX/2018. My request was rejected in accordance with the letter of the Bank REF : XXXX from XX/XX/2018. I thought that at the time of the application I had score about 820+ points. However, my application was denied because, according to the letter, the credit agency ( agency ) indicated that I had placed the XXXX  on my credit card. 
This is nonsense! 
... because after a week or two I applied for another credit card and almost immediately received approval from XXXX XXXX XXXX. 
And I wonder why the US Bank refused to approve for a credit card, is this a discrimination?
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America ( BOA ) allowed and account to opened out of XXXX XXXX using my DOB and SS # with my phone number. The account # ends in XXXX with an outstanding balance of {$3000.00}. BOA # XXXX reference # XXXX I, XXXX XXXX called Bank of America Friday XX/XX/ to let them know that I am not responsible for these fraudulent charges. This account ending in XXXX uses an address out of XXXX XXXX according to BOA. I do not reside in XXXX XXXX in fact live in XXXX. 

On XX/XX/, I reported this account as fraud. I've also contacted all 3 major bureaus.
Consumer complaint received 2020-06-10
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-02
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: Navient Solutions, LLC. (TX)

On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a Navient student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX 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 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (FL)

To whom it may concern, I have applied for a primary home loan with the aforementioned mortgage lender on XX/XX/2019. I supplied lender with all documents as requested by them in a timely manner and was issued a conditional loan approval with XXXX, which expired XX/XX/2019. 
All of my outstanding conditions were submitted to lender no later than XX/XX/2019. I was told by the loan originator that I will be closing no later than XX/XX/2019. 
The lender has not provided any updates to me in regards to the status of this loan since XX/XX/2019 other than a few emails from the Sr account manager stating that " he is working on it ''. My loan originator, title company, and myself have been trying to reach them multiple times daily with no luck. I have been a XXXX   for many years and have never been so appalled at how unprofessional this company has been. Because it was stated that I was able to close no later than the XXXX of XXXX I am now in default of the contract and will loose my earnest money deposit along with the other monies spent during my dealings with this company. 
The biggest issue I see is the fact I was never provided a loan estimate after my initial application. I have requested this because when they sent me my conditional approval it was for a higher amount down, which is not what I originally applied for. 
Thank you for your time and consideration.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a checking account with Bank Of America I deposited a check on New years day at the atm. The bank is holding the check and giving zero funds availabilty for 11 days even thought hey have received the funds on the first day. I spoke to the operations manager in person at the bofa branch to request the minimum funds availability of XXXX on the first day after deposit and she would not release funds until 11 days have passed. Meanwhile they have my XXXX and I can not pay my car payment on time without being charged overdraft fees. It is unfair for bank of america to withhold my funds for 11 days. I suspect they are using this money in a pool of funds to earn interest at my expense. I consider this lack of regard for small account holder to be a breech of trust and therefore my only recourse is to close my account at bank of america and deny them my business of 10 years of fees. I would fine them in a class action as I know this practice is common and widespread.
Consumer complaint received 2023-06-28
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)

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. 

Account name : XXXX Account number:XXXX has violated my rights. Or 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.