davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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: Radius Global Solutions LLC (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-31
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. (TX)

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 ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Account : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : XXXX
Consumer complaint received 2023-10-17
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-05-31
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. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$7700.00}
Consumer complaint received 2022-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Unauthorized credit inquiries on my report. XXXXfrom XXXX XXXXXXXX of XXXXXXXX XXXX It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance Owed : {$0.00}
Consumer complaint received 2022-11-07
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. (CA)

YOUR COMPLAINT This account was not investigated properly I believe my right to a timley investigation was violated and a original signed document was never produced. 
XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and convergent 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 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 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My account increased there escrow reserve for two months. I wanted to get out of the escrow after they increased it. I paid {$9000.00} to meet the loan to value ratio of 80 % of less. My mortgage was paid current for 12 months as required ( actually Ive always been current with this loan ). I paid {$2900.00} to cover the escrow shortage needed before XXXX These three actions were the legal requirements to close the escrow. I met the those requirements, but the company says private investors wont allow the removal. So now I have to pay an extra 2 months escrow and they wont allow me to close my escrow as promised and Im out of over {$9000.00} to pay down my loan to value ( which I was told by an agent that I needed to pay down my principle to get my loan to value ratio at 80 % to qualify for the removal. 

I have never been late in mortgage or escrow and I dont think I should be penalized because SPS investors are having trouble collecting escrow from other consumers with paying 2 months reserve. Prior to this reserve, I was already paying everything on time even my escrow shortage without any issue. If I meet the legal required terms they set forth in writing on their website ; I feel my escrow should be remove as legally promised in writing. Is this discrimination? Please investigate how they justify allowing my escrow to stay on my account. Please investigate if other XXXX XXXX or XXXX XXXX are allowed to remove their escrows when they submit their request.
Consumer complaint received 2022-05-31
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: World Omni Financial Corp. (GA)

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

15 USC 1681 Section 602 States have the ight to privacy. 

15 USC 1681 Section 604 A Section 2 : It also 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 a open end consumer credit plan as late for any purpose,
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XXXX XXXX I prepaid for a rental at XXXX XXXX for {$140.00} & I wasnt aware that I did not have my debit card on me. I called USAA for assistance and the Representative carelessly closes both of my Debit cards and she was only to do one. A few months later USAA took $ XXXXp from my account and when I called to find out why this happens it was told to me that I waa supposed to do a Dispute for this amount by XXXX and because I didnt think I'd needed to do it because of a fault of their Representative I'd expressed this but nonetheless I'd submitted a Dispute. For weeks I did not receive feedback on the refunded amount and again I wrote another Dispute letter and speaking to the CEO assistant of the matter which again no action was taken. 
On XXXX XXXX I'd received a phone call from another CEO assistants and was told that the second Dispute letter was " not good enough '' & I should explain further to which I should be refunded my money. Again i wrote another Dispute letter and i have it here uploaded. Today i get a message from my bank messaged to tell me that the Dispute letter was not sufficient enough as I'd explained thoroughly that my payment was prepaid via app and I called the Accounting office to see about the {$140.00} and the Accountant responded to me since I'd prepaid from the app she was not able to see the payment only when I'd arrived to pay for the rental in full. 
It's been over a month and this bank USAA isnt holding themselves in full responsibility of the action of their Representatives fault. And I need some help in getting this resolved so I can my funds rightfully back to me
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon checking my credit report I have noticed some addresses that do not belong to me. 
I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OR)

I have a credit card account open with Barclay card. I stopped using it around XX/XX/XXXX or XX/XX/XXXX. The balance at that time was {$2700.00}. I have been making a payment of ~ {$70.00} every month for 6 years for a total of approximately {$4900.00}. In that time only {$600.00} has been applied to my balance. My credit card still has a balance of {$2000.00}. They have charged me approximately {$4300.00} in interest on an original debt of {$2700.00}. I have paid them close to double the amount of the original debt, yet only {$600.00} has been applied to my balance. I have called and they will not work with me.
Consumer complaint received 2022-05-31
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: WELLS FARGO & COMPANY (GA)

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

15 USC 1681 Section 602 States have the ight to privacy. 

15 USC 1681 Section 604 A Section 2 : It also 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 a open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I overpaid Capital One by {$2600.00} and, after talking to an agent on XX/XX/2022, who assured me that it wouldn't be held against me if I cancelled the payment, I cancelled it. Regular payment was then automatically withdrawn, as usual. 
When requesting a credit increase, received a letter saying that a payment was returned, so was denied the credit increase. I called and talked to them, but was not able to get the matter cleared up. " Apologies for the mis-information that was given to you '' was all that I got from them.
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I noticed on my credit report I had 2 collections 1. Jefferson Capital System opened XX/XX/XXXX for {$1800.00}, original creditor XXXX XXXX  I called XXXX to report fraud. They requested I pay the debt or go through their fraud department. They stated i needed to give them my debit card info for a {$1.00} credit report through them. I declined. I have reported the false account and disputed with 3 credit bureaus. 
XXXX. XXXX XXXX opened XX/XX/XXXX for {$6000.00}, original creditor XXXX XXXX I reported fraud to XXXX XXXX. l disputed charge on all credit bureaus, they have removed the account from my report.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (LA)

the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, XXXX, experian, or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

XX/XX/2018 I phoned Navient, account #XXXX XXXX XXXX loan group #XXXX, and spoke to a representative in order to pay off my loan in full. I wanted the exact amount I owed, on that date, to pay it off. I was given a quote of $XXXX. I paid the amount in full.  order# XXXXSince then, I have received a monthly statement saying I am still being charged interest on this loan. I have called three times and the company is fully aware of the on going issue. But nothing has changed. This is now affecting my credit report and I want the account closed.
Consumer complaint received 2022-12-19
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. (NY)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX under 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 2022-05-31
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. (LA)

the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, XXXX, XXXX or equifax. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-31
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. (FL)

I received a letter from Verisk Financial ( LCI ) dated XX/XX/22. In the letter, LCI stated that they provided TransUnion with information from a " Public Record ''. Under the FCRA, a furnisher is obligated to ensure that accuracy of the information reported. In this case the furnisher is The " United States Bankruptcy XXXX XXXX XXXX XXXX Florida ''. I have not given LCI permission to use my " Personal Information '' which is not " Public Records '' to transfer, report or use in any transaction related to my consumer report. LCI has violated 15 U.S. Code 1681b ( 2 ) and therefore must remove any records related to this matter. In addition, LCI has also violated 15 U.S. Code 1681i, which requires that a furnisher verifies the accuracy of a reporting account. I have attached a letter from the US Bankruptcy Court in which the Deputy Clerk certifies that " The court does not report any filings to credit agencies ''. This is clear evidence that TransUnion or LCI has not contacted the furnisher for proper verification and therefore this record must be deleted. In a letter dated XX/XX/22, XXXX XXXX of TransUnion admitted to using ( XXXX  ) to verify this record, which again is a violation of 15 U.S. Code 1681i as PACER is not the furnisher of this record and does verify the accuracy of the record. I have not given TransUnion permission to use my " Personal Information '' such as my " Social Security Number ''.
Consumer complaint received 2023-04-19
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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)

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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Bankruptcy 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.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.