davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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. (MD)

Recently I disputed a factual error being permitted to be listed on my Consumer credit reports. I have disputed the factual errors Mutiple times in an attempt to get them corrected and or removed due to their lack of investigation, and lack of transparency. Attached you will see a copy of my most recent credit report with the factual errors highlighted. Whether it's the information providing company, or the Credit reporting agency failing to correct, and or purposely permitting inaccurate and incomplete data on my consumer credit report, it is harming my financial status.

A debt buyer has been furnishing unverified, inaccurate, and incomplete data across all 3 of my Comsumer credit reports, which all 3 lists different information from one another. Each time its disputed, A small portion of information is " Updated '' with additional incorrect factual data in an attempt to rid the dispute and its validity. As you see attached, a debt buyer is listing a " TERM '' which by definition is an agreed upon time limit between the data furnisher and the consumer to pay back whatever they are claiming is the alleged debt. I have not agreed to ANYTHING, and this is INACCURATE as shown and being listed. Experian FAILED TO INVESTIGATE THE MULTIPLE DISPUTED ITEMS AND CORRECT OR DELETE THEM
Consumer complaint received 2023-03-07
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. (GA)

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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX XXXX  Account 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.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was making a payment for an overdraft to Santander Bank, which has overdraft protection to XXXX USD. Instead of taking {$200.00} to make the payment the Stantander Bank took XXXX out of my account ending in XXXX on this past Wednesday. I was told at the branch bank that at midnight the monies would be returned the next day at XXXX. That the did not happen. Instead the the XXXX balance was deducted to pay down the debt to zero and the remaining amount was not returned. So effectively I have been defrauded of {$19000.00}. Yesterday, I withdrew XXXX out of the overdraft in hopes that the Bank would at least apply my funds to use my the remaining amount owed to pay this off this debt overnight, which has been the case in every other instance. I looks like the account is now frozen and I am being charged {$4.00} a day for the use of my own monies, as this debt has been paid in full. I have over-drafted before and the always the monies were applied by the next business day. This is the first time this happened like this and I had a reasonable expectation, that the monies would be applied. In every other instance, Santander to my the best of my knowledge has always never let one it's accounts to be overpaid, such as my credit card. This should never have happened, and I am asking cfpb to intervene.
Consumer complaint received 2024-02-27
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.

Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-18
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: BARCLAYS BANK DELAWARE (NC)

This morning XXXX I received a credit alert from XXXX of a new credit inquiry that I did not initiate, and then later an email from XXXX saying thanks for electing to go paperless with my new XXXX XXXX XXXX XXXX XXXX that I did not sign up for. I have had absolutely no interaction with XXXX and did not request a credit card.
Consumer complaint received 2021-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TN)

Dear sir/madam, XX/XX/2021 We are seeking your assistance in resolving our mortgage account. 

XXXX XXXX  account # XXXX AmeriHome Mortgage account # XXXX We have had numerous conversations with the current and previous servicer of our mortgage account with absolutely NO success in getting them to correct our account. 
The original loan was closed with XXXX XXXX XXXX  on XXXX. We borrowed {$340000.00} for 30 years at 2.375 %. At closing we prepaid interest so our first payment was not due until XXXX. 
On XXXX, XXXX XXXX XXXX  sent us a goodbye letter stating the assigning the servicing rights to AmeriHome Mortgage Company , LLC. In this letter, they advised us the first payment was to be made on XXXX to them. 
On XXXX, we mailed a payment of {$1800.00} ( {$1300.00} P & I, {$220.00} for XXXX XXXX XXXX and an additional {$250.00} towards principal ) to XXXX XXXX XXXX. 
Just after mailing this payment we received a welcome letter from AmeriHome Mortgage ( although this letter was dated XXXX we did not receive until after the payment was sent to XXXX XXXX ). This letter states the XXXX payment was to be sent to them ( we assumed XXXX would forward our payment, if necessary ). 
Now we are getting dunning notices, threats and calls from AmeriHome Mortgage for the XXXX payment. 
We called XXXX XXXX  and asked about the XXXX payment they claim that it is theirs and that they forwarded the additional principal payment. ( What about the T & I amount? ) So, we now have XXXX XXXX claiming the XXXX payment and AmeriHome dunning us for the XXXX payment. 
We have had numerous contacts with both mortgage companies with NO SUCCESS in resolving this issue. 
We are now seeking your assistance in getting a full accounting of our mortgage ( including the escrow account ). Also, we are asking that all derogatory credit reporting be rectified and any late fees be waived. 
Prior to this situation we had excellent credit ( 800+ credit score ) and have always set up auto-payment arrangements for recurring accounts. 
Please help us rectify this mortgage mess. 

PS : our XXXX payment was mailed to AmeriHome Mortgage on XXXX in the amount of {$1800.00} ( again, {$1300.00} XXXX XXXX XXXX, {$220.00} foXXXX XXXX XXXX XXXX  and an additional {$250.00} towards principal ) Thank you in advance for any assistance you can render. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX
Consumer complaint received 2023-03-07
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. (GA)

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 Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account 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.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (KS)

Coinbase of XXXX XXXX has frozen my available cash. I can not withdraw available cash to deposit in my bank account. They are holding my money against my will. It has been over 10 days and I have received emails from showing my funds are available but they have them locked.
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (HI)

I was stuck by an overspeeding XXXX yr old lady and I have enough evidence to prove in the court of my claims which i can not detail here as it is still on going court hearing. 

Her insurance company XXXX XXXX however hand over me to Wilber trying to collect money from me. It has been written by XXXXXXXX XXXX XXXX XXXX companies and been informed and also that there is a court case on going. Yet, Wilber will continue to collect from me and never stop calling and writing me letters. 

It is very destructive that I am now suffering of emotional and mental anguish both from accident and the non stop collection of XXXX XXXX XXXX XXXX Insurance Claims XXXX XXXX XXXX XXXX AZ and Wilber XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX  and Wilber always sent mails on my residence which is unwelcome. My correspondence is only my P.O. Box especially they are charging of a bogus claim is very detrimental and adversely affecting my health that worsen my XXXX XXXX XXXX and XXXX XXXX Also, they make phone calls and fabricate lies to collect money from me such as that XXXX told them I have no insurance when accident happened when police was on site of the accident and that I admitted to XXXX via statement I was at fault which pure lies. These all very destructive affecting also my income. I cant even work properly with what they are doing to me. I was even XXXX of the car accident that their over speeding driver did and instead of me collecting from her, all together they are charging of the accident when my car was 88 % wreck of the accident in 25mph while I was in full stop. Evidence will be provided in court.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, the listed accounts have 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 XXXXXXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 2023-03-07
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. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-31
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to file a report with the Federal Trade Commission or at https : //www.ftc.gov. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Consumer complaint received 2023-03-07
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. (PA)

I sent a letter on XX/XX/XXXX, to remove these suspicious items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX the listed items are UNKNOWN to me. you are required to remove/block any accounts or information not later than 4 business days Ive already included this in my previous complaint & I am including it again., c
Consumer complaint received 2023-03-06
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-07
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. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX/ I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2021-01-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

i purchased 2 VIP tickets to XXXX XXXX XXXX on XX/XX/2020 for the amount of {$750.00} to be used on XX/XX/2020. When we traveled to California the park was closed due to the Covid virus. I called XXXX on XX/XX/2020 at XXXX for a refund they told me someone would call me within 24 hrs. No call so i called back XX/XX/2020 was shuffled around finally got to someone said they would refund my money but it could take up to 20 + days because of amount of refunds being given. I waited a month called back was told the refund was never started and they would get on it right away but would take 7-10 days before i saw it in my account. During the time this all started i had fraud on that card so i was issued a new one after another month of no action i finally got a hold of Vip manager who was the first person who actually tried to help me. He claimed he tried to refund the money and my bank refused it so i called my bank BofA first i was told that a card with fraud could not receive any refund and was told to have XXXX refund my new card number I called XXXX back they said they could only refund the card that the purchase was done with. i called BofA back then was told if i got manager on a 3 way call they would refund the money when myself and manager tried a 3 way call i was told by another BofA rep that was not true and that couldnt happen. The manager of XXXX then told me to dispute the charges I did but about a month later money was pulled out of my account again now BofA told me when they tried to retrieve money from XXXX it was declined due to amount of time since purchase. i called BofA numerous times to talk to a supervisor and was told 4 times a supervisor would call me back within 24hrs not once did a supervisor call. i finally got a rep named XXXX who stayed on the phone with me for 3 + hrs. She filed numerous complaints in her dept for me but there was nothing she could do further. she gave me your information and suggested i ask you for help this has been going on for 7 months i just want my money back it seems no one will take the needed steps to do it. please help me
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX XXXX. Account XXXX : XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX Account number : XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX