davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (MN)

I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : 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 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 2021-10-09
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. (WI)

I STILL SEE REMARKS ON MY TRANSUNION CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Roundpoint Mortgage Servicing Corporation has lost my hazard insurance information and is not effectively monitoring various websites they have outsourced multiple processes to. 

When I try to access their website at roundpointmortgage.com, they offer no method for contacting them securely from that site, and instead redirect me to a website on a completely different domain, at XXXX. That site in turn then directed me to yet another domain at ihaveinsurance.com that is broken and offers no way of contacting the company that operates the site. 

For payment and other account management tasks, the roundpoint.com site again is useless and their " sign in '' button merely sends the customer off to yet a third domain at XXXX, which like the other sites offers no secure method of communication. 

I am concerned that this company is engaged in risky and quite frankly " sloppy '' management of personal data and is not exercising due diligence to ensure third parties they redirect customers to are operating functioning sites that provide secure means of communication and transmittal of data.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

This is so wrong on so many levels. I first reached out to Equifax about this stuff i found on my credit report on XX/XX/21. How many days is that 240 plus? And they keep saying verified on my report and the mail items says verified. When i asked them to how they verified it they haven't sent me any information at all. I reached out to the company that is attempting to collect the debt and they gave me totally different information. When i went back and told Equifax that the information is not accurate they still did nothing. They are knowingly and willingly posting inaccurate information on my reporting causing me stress and really hurting me from purchasing a home. They are directly violating my consumer rights by doing this. How am i supposed to get this information removed if Equifax just ignores me and gives me no proof of their investigation at all. Are they just saying verified and not actually investigating? If they investigated they know that the reports are WRONG. Please help.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021 I received an email from XXXX indicating that there was a charge {$310.00} from XXXX transaction. I was instructed to call. I called the number and spoke to a guy named XXXX Employee number XXXX from XXXX fraud department the phone number XXXX receipt Number : XXXX. Here is the cell phone XXXX. He explained to me that there were other transactions pending from my account. He said that the hackers were able to get into my account and place charges. - The first charge was in the amount of XXXX Which he said that he was able to block the transaction. He informed that there were other charges that were pending. The Second charge was XXXX - Third Charge was XXXX and they would front the XXXX so I would only have to send XXXX I am out of {$2100.00} He explained to me that I would have to send the money through XXXX to the following emails that he provided XXXX and XXXX to try to catch the hackers and remove them from having access to my IP ADDRESS on my phone. XXXX XXXX and XXXX XXXX. He told me to put void transactions in the memo field so the bank will know that it not a valid transaction. I sent 3 transactions through XXXX  and it was received. He told me that I would get my money back within 30 min. I was suspicious so I called the bank and filed a fraud complaint. I placed a complaint with the bank asking for a courtesy refund. They declined the request. I filed another complaint to the executive office and they declined my request. I am a single mother and I used all of my money that I had in my account. I have filed a police report, I have filed a complaint with the OCC, CID Cybercrimes, IC3.GOV. I am asking that a bank Wellsfargo that I have entrusted and have been loyal to for 30 years grant me a courtesy.
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX 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 2021-10-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am in receipt of your correspondence dated XX/XX/XXXX. The letter stated the following : Our records show this account is closed and charged off on XX/XX/XXXX, with an outstanding balance of {$10000.00}. On XX/XX/XXXX, we sold this account to XXXX XXXX XXXX XXXX XXXX. XXXX confirmed that Capital One is no longer reporting your account to the CRAs. 

The balance associated with account ending in XXXX is disputed. This correspondence serves as a billing error notice and I request ALL documentary evidence on the above-referenced account be sent to
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I realized my Suntrust checking account was being charged for XXXX transactions that are not mine. The bank declined to take any documentation from me and only wanted the dates and amounts in dispute. The bank rep suggested that someone hacked my XXXX account rather than stealing my debit card. I explained that none of those transactions are showing on my XXXX, but she would not accept the documentation. XXXX is not accepting calls and can only handle disputes for transactions showing on my account so there is not way for me to clear this with XXXX. Therefore, I reported this as fraud with my bank. They denied my claim saying I have other XXXX charges on my account so this is " consistent with my previous banking history. '' Yes, I told them up front that I have an XXXX account and all charges look identical except for date and amount regardless of the delivery location as the bank well knows. Therefore, I don't understand how that conclusion is meaningful or fair. This is not a proper investigation. XXXX has a record of whose account those transactions were made on and the delivery address. They have the info necessary to find the criminal, but are not doing so and seem to have not even spoken with XXXX about this claim. The bank manager told me today that there's nothing else they can do to help me. The most recent charges were still pending when I called. They have since posted those transactions to my account and are refusing to take it off even though I caught it before it posted. This is beyond infuriating. 

There were 13 transactions from XX/XX/XXXX through XX/XX/XXXX as shown in the attached document. I've also attached my XXXX account showing my actual transactions and you can see the ones I disputed as fraud are not on my XXXX account. 

Fraud Transactions : XX/XX/XXXX {$34.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} Total Fraud Charges : {$330.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-10-08
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. (TX)

I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with XXXX and Equifax and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my business survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy
Consumer complaint received 2021-10-08
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. (MD)

On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the equifax data breach.
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Early Warning Services, LLC (NY)

On Friday, XX/XX/2021, at XXXX XXXX I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IL)

Early warning services, has violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Reached settlement with company to forego all outstanding debts on my credit card account after paying {$7000.00} in three instalments. Letter enclosed.

Company received payment, and after a month or so turned the account for collection of about {$5000.00} to a collection agency who started calling ( number provided by the company without permission ) me for the debt.

Agency was informed debt has been settled with the company per settlement letter.

However it reported to credit agency as charge off. As a result my credit score dropped by about 30 points.

Company has been evasive and thanked me for trying to pay the debt, which I have not done at all ( it has been settled already ). My credit score has not recovered because agency/company has not removed the charge off amount, it remains a black spot on my credit report. 
Proof of payment, my letter and part of credit report is attached.
Consumer complaint received 2021-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This account was opened fraudulently by XXXX  XXXX XXXX XXXX XXXX XXXX. I did not go there and I do not recognize this charge. My information was stolen from another web site
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I received a letter from Citizens One Personal Loans saying I did not pay my monthly payment of {$480.00} on XX/XX/XXXX. I have no idea what this is about. I did research and it did not appear it was fraudulent. I called them and the person in the Late Payments Recovery Department said they do not see me in the system and would transfer me to the Billings Department. They said it from from an XXXX XXXX purchased XX/XX/XXXX. Unfortunately I gave them the last 4 of my SSN. I then called XXXX and they said it is a phising scheme. My account had nothing due on it. I'm not going to call the company again. They suggested I file a complaint here.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (LA)

I have had a fraud block on my Citibank account since XX/XX/2020. I called and they stated via telephone that the account was due to be closed after 30 days. It has been more then 30 days. They still allow deposits into my account. They will not notify me via mail, telephone, or email about why my account is like this. I have had my stimulus check deposited into that account and I am not receiving any mail.
Consumer complaint received 2021-10-08
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (MS)

On XXXX XXXX, 2021 I was reviewing recent transactions on my EPPICard account authorized by XXXX ( XXXX ) for unemployment insurance benefits. I noticed transactions on my account that were out of state and subsequently reversed by EPPICard. As I continued my review I noticed more recent out of state transactions that did not get reversed on XXXX, XXXX These unauthorized transactions were occurring in XXXX, Florida ; XXXX, Georgia ; XXXX, Texas ; XXXX XXXX and XXXX, New Jersey. My debit card remained in my possession and only the numbers were being used. I immediately notified EPPICard of the fraudulent charges on XXXX XXXX, XXXX. The total amount of the charges was {$250.00}. I filled out a fraud packet in a timely manner but the bank claims it was one day late to qualify for a provisional credit. They claim that they received it on XXXX XXXX, XXXX. I received the fraud packet from EPPICard on XXXX, XXXX and EPPICard said I needed to return it within 10 business days from the day of my initial call, which was on XXXX XXXXXXXX XXXX Upon the receipt of the required formal written complaint on XXXX XXXX, XXXX I was informed that I did not qualify for a provisional credit and that they have 90 days to complete their investigation. I have heard nothing in verbal or written form from EPPPICard and it has been 56 days and no provisional credit or response has been given. My understanding from my reading and according to their letter the investigation was to be completed within 45 days not 90. Numerous calls and emails were of no help. I've been hung up on, told they would call me back and never do, and emails never responded too. I need guidance as to how to recover my unemployment benefits that I so desperately need during the COVID-19 pandemic that has shut our country down. I was unable to screenshot my transaction history for XXXX of XXXX. They have not provided any copies of that month 's statement either as of this date which I requested in XXXXXXXX XXXX
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im expecting in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!