davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2022-12-27
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. (AL)

I sent a letter certified mail to Transunion on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX regarding identity theft on my consumer report. I'm not working with any agency or anyone I've spent the last XXXX educating myself to take bank my power. My father and my son have the same name as me so I'm not sure if our files are getting mixed up or what, but I have never been to college! I provided a copy of my report, signed and sworn notarized affidavit, FCRA 605 law copy, id and bill to identify myself provided documents to support my claim. You responded stating my accounts were verified and no block would be honored. Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U. S code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exist. This company continues to violate me by continuing to defame my character by reporting false inaccurate, unverifiable information. This is now Aggravated Identity theft, and in accordance with the Fair Credit Reporting Act the following accounts is a violation of my rights. If you can not provide the PROMISSORY NOTES with my wet signature as proof of verification then you have NO PERMISSIBLE PURPOSE to report, so without this information this is a Violation of 15 US Code 1681a ( e ) and the inserted accounts must be deleted from my consumer report. 
US DEPT OF EDU ACCOUNT # XXXX {$9100.00} US DEPT OF EDU ACCOUNT # XXXX {$17000.00} US DEPT OF EDU ACCOUNT # XXXX {$3200.00} US DEPT OF EDU ACCOUNT # XXXX {$3800.00} US DEPT OF EDU ACCOUNT # XXXX {$2200.00}
Consumer complaint received 2022-11-13
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. (LA)

I am seeking assistance in the matter of a dispute between all major bureaus and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX payments were sent to XXXX XXXX in the XXXX of XX/XX/XXXX these payments were sent to cover my XXXX installment payments on an auto loan. Not only did they receive and confirm receipt of these XXXX payments in XXXX, but a payment large enough to cover XXXX XXXX were also made in the month of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported XXXX XXXX late on XX/XX/XXXX after filing my initial dispute they updated the reporting to XXXX XXXX, Well this is still incorrect so I initiated another dispute with all XXXX bureaus each time the lender has creatively updating my file but never removed or correcting the XXXX XXXX late XXXX notice it showed updated but nothing changed, XXXX noticed the XXXX was changed to XXXX XXXX, Experian was up dated added how much I paid on my loan each XXXX because I always pay more than my amount due. A XXXX dispute was requested now Experian is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX XXXX in XXXX causing my fico score to drop further. My account and credit file clearly state for the year XXXX, I made XXXX on-time payments another error. 
Experian, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a XXXX grace period therefore I have until the XXXXXXXX XXXX of the following XXXX to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This lender is the XXXX XXXX XXXX here I am the victim, the victim of XXXX XXXX. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX XXXX of the following XXXX to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.
Consumer complaint received 2023-11-30
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX Lender Info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Responsibility Individual Original Loan Amount {$140.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX My XXXX is XX/XX/XXXX - XXXX  years of age This account was fraudulently created. I was age XXXX and this is not my account. I never received products or purchased products or signed any contract or agreed to any payments.
Consumer complaint received 2022-11-13
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. (OH)

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  : 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 2023-06-07
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. (CA)

There are several inquiries, hard inquiries that I have asked Equifax to remove several times already, via certified letter. They have ignored everything that I have asked and provide no explanation. 

The following several hard inquiries have been performed on my credit which has dropped my credit score. 

They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT authorized any of these companies to utilize my credit reports to provide me any credit. I never implied a request, or verbalized a request or given them a handwritten request. 

They have illegally put hard inquiries on my report. 

Please remove these inquiries from my report as this is contributing to the drop in my credit score which has been going on for months!
Consumer complaint received 2022-11-13
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. (OH)

In accordance with the Fair Credit Reporting act 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 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 2020-01-16
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: World Omni Financial Corp. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-11-12
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. (GA)

On or before XXXX I disputed accounts and nothing changed. 
XXXX disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  motor
Consumer complaint received 2022-11-13
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. (OH)

In accordance with the Fair Credit Reporting act 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 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 2022-11-12
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)

I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Ordered a birthday present from XXXX for {$1000.00} on XX/XX/22 which was to be delivered and the order has yet to be fulfilled. {$430.00} was the amount charged to the Chase card and never refunded.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX  , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX  , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I had a loan being service by LoanCare , LLC ( https : //www.myloancare.com/ ). We paid off the loan by selling the house. 

The closing date was XX/XX/XXXX. Prior to the closing date, We disabled automatic payments on the LoanCare website. I do not remember the exact date, but it was most likely XX/XX/XXXX 

The sale closed on XX/XX/XXXX as planned, and we received the wire transfer on XX/XX/XXXX. I verified on XX/XX/XXXX that LoanCare showed a balance of {$0.00}. 

On XX/XX/XXXX, {$930.00} was drafted from my account for no reason.
Believing this to be an honest mistake, we called LoanCare on XX/XX/XXXX They claimed to not see the payment and requested that we send them a full bank statement to prove they charged me. We refused to give them personal financial information, since they should have record of their own payments in their own system.
We called LoanCare again on XX/XX/XXXXand spoke with an agent claiming she could get the erroneous payment refunded. She requested routing/account number and stated that if she could n't return the money, she would have a check mailed. 

Having heard nothing back, we again called LoanCare on XX/XX/XXXX and requested information on the refund. They claim to have no record of the XX/XX/XXXX call and again demanded my personal financial information to prove their own error. I requested to speak with a supervisor, at which point the agent hung up the phone.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 called Equifax to release my security freeze. I had a security freeze due to the Equifax data breech on Equifax, XXXX   and XXXX. I needed to release the security freeze. XXXX, XXXX  released the security freeze with just my SS number and pin. When I called Equifax ( the ones that forced me into a security freeze ) they wanted my last mortgage company and payments ( haven't had a mortgage in 6 years I couldn't answer. So they asked me about credit cards, however, when I told them I couldn't hear them because of all the noise in the background ( sounded like a boiler outfit where everyone was yelling on a phone in the background ) I asked them to transfer me to a manager. They hung up! I think that the girl thought I was having a problem with her accent, but I just couldn't hear her over the noise. Anyway, my complaint is that they just figured they would hang up on me, now I have to call back and go over everything again. They were the ones that caused the problem, now they hang up on me!
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

To my recent complaint to Capital One that it does not provide the same level of services to consumers who do not communicate via telephone, Capital One responded : " Capital One is committed to providing accessible products and services, and we believe in financial independence for everyone. We wanted to let you know that we can provide reasonable ADA accommodations as needed. Please know that one option for closing accounts by phone, is by speaking with one of our associates using a relay service. Keep in mind that you may also be able to use a relay service through the internet rather than telephone, known as Internet Protocol ( IP ) Relay Services. For more information on IP Relay Services, please visit http : //www.fcc.gov/guides/internet-protocol-ip-relay-service. We can also be reached using the free National Relay Service by dialing XXXX. '' Capital One response indicates a certain level of disregard to the needs of a minority group of consumers who prefer not to communicate via telephone neither by using vocal chords communication methods nor using any relay services or teletyping. 

Capital One representative responding to the complaint manifested arrogance and unawareness when addressing the issue. The alternative methods that Capital One representative suggested are not appropriate for all consumers and represent a significant burden for many of them.
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cashbak, LLC (CA)

On XX/XX/XXXX I emailed to revoke my ACH and let them know I wanted to create a payment plan. XXXX responded that same day and said my account had been noted. There was still a deduction on XX/XX/XXXX. I emailed to inquire. XXXX said " Your account is noted for no ACH payment. We will not process any ACH payments. '' When I asked why they still had processed a payment on XX/XX/XXXX XXXX said it was not an ACH payment. I was informed it was a debit payment. 
I let them know that I did not authorize and further debit payments either. 
There was no deduction on my following payday of XX/XX/XXXX. However, there was a deduction made from my account again XX/XX/XXXX. I will be filing a fraud claim with my bank as well.