davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am filing a complaint against Kohls Credit Card company, regarding a credit card that belonged to my deceased mother XXXX XXXX. After contacting Kohls to inform them of my mothers death, I believe they decided to fraudulently add my name to the account as a Primary account holder. When I asked them why my name was placed on this account as the Primary, they stated that I was secondary before and not an authorized user, so this gave them authority to make me Primary account holder. I then requested documentation to prove that I signed up as a secondary account holder, they stated they could not provide that proof. I then stated that all statements, documentation and correspondence has always been addressed to XXXX XXXX, not XXXX XXXX and XXXX XXXX as it should be when a person is a secondary account holder, they could not give me an answer and just stated that I was a secondary. They then decided to lock me out of the online account and changed all info related to my mother, at this present time I still can not access this account that is supposed to belong to me as a primary. This is so ridiculous and pretty much illegal if I could be frank, especially when they are not provided any proof. If they were to provide proof that I signed an application as a secondary account holder, I would take full responsibility of this account. I am requesting that Kohls remove my name from this account as the Primary card holder.
Consumer complaint received 2024-03-14
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. (MA)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Unauthorized Inquiries still reporting in XXXX : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 


Unauthorized Inquiries still reporting in TransUnion : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-05-24
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)

Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXXXXXX XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX ACCOUNT # XXXX 5.XXXX  XXXX ACCOUNT # XXXX 6.XXXX  XXXX XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX XXXX XXXX  ACCOUNT # XXXX 9.XXXX ACCOUNT # XXXX 10.XXXX  XXXX  XXXX # XXXX ALSO # XXXX ALSO XXXX XXXX
Consumer complaint received 2022-05-24
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)

Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXX/XXXX  XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX/XXXX  ACCOUNT # XXXX 5.XXXX  XXXX  ACCOUNT # XXXX 6.XXXX XXXX  XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX  XXXX  XXXX  ACCOUNT # XXXX 9.XXXX  ACCOUNT # XXXX 10.XXXX XXXX XXXXXXXX # XXXX ALSO # XXXX ALSO XXXX XXXX
Consumer complaint received 2022-05-24
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. (WI)

In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-24
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: TD BANK US HOLDING COMPANY (TX)

Target Card Services Credit reporting dept Account Number : XXXX Im writing to ask again to look into the XX/XX/XXXX and XX/XX/XXXX missed payment that Target has reported to the credit bureaus. I am trying to apply for a home mortgage for my family of XXXX and it's come to my attention that Target still has not corrected these late payments. 

I understand my financial obligations, I have had this target card for several years as you can see and have never missed a payment so it was a shock to see these on my credit report. I spoke to a couple different Target Representatives over the phone which I'm sure you can pull the phone calls from XX/XX/XXXX through XX/XX/XXXX and I even have online messages speaking to representatives. They assured me if I paid more than the amount owed it would cover the NEXT monthly payment and that monthly payment would be XXXX. I also asked to change my due date to the XXXX on XX/XX/XXXX, target online messages stated they would change it to the XXXX of the month but yet it was never done so you reported XX/XX/XXXX as 30 days late when it was not. 

I know you have to report accuracy to the credit bureaus but these should not have been late especially when I was told if I made an extra payment or double payment in that month it would be applied to the following months. As you can clearly see on the attached document that I made a payment XX/XX/XXXX, you applied it to my XXXX payment and then I made another payment XX/XX/XXXX and you applied it to my XXXX payment coming up and I have a XXXX balance owed for XXXX. So this is true for the other months prior. So the XXXX late payment reporting is simply not true. 

Here is a break down of payments : XX/XX/XXXX - payment of {$210.00} for XXXX and XX/XX/XXXX ( XXXX was NOT 30 days late ) XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$80.00} for XXXX payment ( this payment was late but NOT 30 days late ) XX/XX/XXXX - payment of {$120.00} for XXXX payment XX/XX/XXXX - payment of {$400.00} for XXXX payment XXXX - XXXX balance owed XX/XX/XXXX - went ahead and paid an extra {$50.00} which Target applied to XXXX XXXX - XXXX balance owed XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XXXX - XXXX balance owed XX/XX/XXXX was not 30 days late because it was due XX/XX/XXXX and I paid it XX/XX/XXXX. 

Please fix these XXXX late payments to show not 30 days late, as you can clearly see I was told the extra payments would go into the next month AND I have proof as Target did just that.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XX/XX/XXXX, I tried to negotiate a settlement with the collection agency. They reduced it only nominally. I still can't pay the amount and still can not get an apartment for my family which includes a child. We are homeless because of this XXXX  ( wrongful ) debt.
Consumer complaint received 2022-05-24
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: Applied Data Finance, LLC (CA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a 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 2022-05-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 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. (WI)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2022-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC. (OH)

My husband and I applied for HAF ( Homeowners Assistance Fund ) through XXXX XXXX XXXX Ohio. We were deemed eligible and approved on XX/XX/2022 File # XXXX. I have been in contact with XXXXXXXX XXXX XXXXXXXX and they have now sent out ( 3 ) payments under the program to Summit Funding. I keep getting calls from Summit Funding asking me if I want to continue with Loss mitigation or go with the HAF program. I have told them now FOUR TIMES over the past month and a half that we are going through the HAF program. We have not signed off on loss mitigation and we are not going with that program. I have sent multiple emails to Summit Funding loss mitigation department with NO RESPONSE. I have also spoken with XXXXXXXX XXXX XXXXXXXX and they said they are sending payments through the treasury department but apparently Summit Funding doesn't see them coming through. I need to know what is going on. I filed a complaint a few months ago and Summit Funding responded saying as soon as we were approved through HAF they would work with them and accept payments. Now here we are and no one can tell me anything. Our mortgage is showing that we are still months behind despite the HAF making payments on our behalf. We are approved for behind payments and 6 months after until XXXX. We feel like they are trying to make us go with the loss mitigation and that is not what we are doing.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. XXXX then reported the payment as 30 days late to Experian Credit Bureau. 

I reached out to XXXX XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.
Consumer complaint received 2022-05-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

Newrez LLC/Shellpoint Mortgage has failed to replenish and service our escrow account after erroneously taking money out to pay a private flood insurance due to them making an error paying our actual flood policy in a timely manner. 

Although the company finally acknowledge and paid for damages due to the mistake of not paying our policy and replenishing some of the money taken out of our escrow savings, the company has failed to refund the amount back to escrow of {$1100.00} withdrawn on XX/XX/XXXX. 

We have made numerous calls and spoken with many supervisors, all promising that it will be returned to the account as it should be since it was never meant to be taken out. This has been ongoing for 4 months since XX/XX/XXXX with no resolution nor the promised callbacks to verify for us that it has been completed and funds returned. The account does not reflect the amount of {$1100.00} being refunded anytime since then. 

An amount of {$2300.00} was returned on XX/XX/XXXX but the rest still not put back and ever since then it has been a circle of promises and no paperwork showing to us, the homeowners that this is completed. 

This has affected our monthly payments due to creating a shortgage which the company has assesed in a 12 month period, thus in turn making our mortgage higher. This is unnaceptable as we have never made a late payment to our account. If we paid late on the account any lender would want their money no matter what, to even go as far as take the house from us. We only expect better from our lender and so far is a hit or miss. 

We are tired of being lied to and having our escrow money mishandled in such a manner and are asking for assistance in this matter once and for all. Otherwise, we will have to be forced into legal means of fixing this problem as once again, it has created unwanted shortage of escrow, made our monthly payment go up and not returning funds that do not belong to the servicer is to be considered theft and a crime. The servicer was sent a complaint already and letter of error before. Lender fixed that problem but created another, so this is the second and will be the last time before legal recourse is taken by us.
Consumer complaint received 2022-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have repeatedly had issues with initiating disputes over the phone and in writing via mail to Transunion LLC. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. Transunion refused to process the disputes in writing. Following XX/XX/2022, Transunion sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to TransUnion making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, Transunion re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Transunion is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

I also have had negative experience with XXXX as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (NJ)

REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THSEE ACCONTS IS NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX