davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Capital One credit card for several years, I closed it and was able to pay it off as indicated their Customer Service ( I have record of the call ) on XX/XX/XXXX and the payment posted on XX/XX/XXXX. That very same day I checked my balance and it was " XXXX '' ( XXXX ) ( See docs attached ) and even Capital One CANCELED my automatic payment draws since the acct balance was XXXX. Ok, 2 weeks later I received a new SNEAKY charge from Cap. One for XXXX on XX/XX/XXXX. I CALLED AGAIN and spoke to a lady with the name of XXXX Id : XXXX and told me that THERE IS NOTHING SHE CAN DO ON THAT SNEAKY CHARGE. This is a NIGHTMARE AND A SCAM IN THIS NEVERENDING HORROR STORY written by Capital One and their associates against customers like me ( A minority group ) PLEASE HELP.
Consumer complaint received 2022-09-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CO)

I sent a letter to Resurgent Capital Services as they are doing business as LVNV funding on XX/XX/2022 on a request to cease and desist all communication and collection on a debt that I do not owe. On XXXX, XXXXXXXX XXXX the letter was received and signed verifying the acknowledgment and confirmation that the request was received. A few months later on XX/XX/2022, I received a credit alert that LVNV funding appeared on my credit report without my writing consent because I do not have a written agreement with them, and also LVNV funding collection violated FDCPA 15 usc 1692c ( c ) and 15 usc 1692g ( b ).
Consumer complaint received 2023-06-13
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. (OH)

checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with Possible finance for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my XXXX consumer report. I have never done business with this company. I have never done business with XXXX XXXX. XXXX has a collection on my Equifax consumer report. I have never done business with this company. I have the following fraudulent inquiries on Equifax. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, BANK XXXXXXXX XXXX! This is not good faith Pursuant FCRA
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AZ)

We have a XXXX XXXX XXXX credit card with hundreds of thousands of points. We find it virtually impossible to use our copious points to book travel. Yesterday we were locked out of our account ostensibly because our account number, member number and password do not match their records. I have spent hours going through all of their online options to fix this but find nothing. You must be able to log in to do anything and I can't log in. None of the preprogrammed options address our problem. If you try to call them you get a preprogrammed message that says they will call you back but they never do. I was able to reach a human being on a number associated with our local airport but he could not help me because our account access is locked. Now I can't find a way to unlock our account. I just want to find a way to use our miles and change to a different credit card.
Consumer complaint received 2019-07-14
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. (IL)

Ive disputed a Bankruptcy Chapter XXXX account several times thats reporting on my Experian credit report. Experian has stated that the account has been verified by the third party reporting agency XXXX. I disputed the account with XXXX in which they deleted the account from my report. I sent another dispute letter along with the letter from XXXX to Experian. Experian sends me a updated credit report stating that the account was once again verified by XXXX. How was the account verified by XXXX when they deleted it from my report? In 2018 Experian deleted the account from my report but reinserted it.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep concern regarding the unresolved issues surrounding the credit accounts held by XXXX XXXX and XXXX XXXX. Despite numerous attempts to resolve these matters, I have yet to receive adequate proof of debt validation or documentation outlining the transfer of alleged accounts from XXXX XXXX to XXXX XXXX. 

First and foremost, I demand to see the purchase agreement that demonstrates XXXX XXXX transfer or sale of alleged debt to XXXX XXXX, as well as the original contract between myself and XXXX  XXXX, including any signatures authorizing the service. It is imperative that I receive full transparency regarding the handling of my account. 

Furthermore, I have evidence of XXXX XXXX removing an account with a balance of {$860.00} from XXXX and XXXX, indicating a lack of validity in their claim against me. This action will be utilized in support of my claim against XXXX XXXX, alongside the failure of your compliance manager, XXXX, to provide adequate documentation as required by the FCRA law. Merely sending statements does not constitute proper debt validation. 

Additionally, I must emphasize that I was never notified of being in collections, and therefore require thorough documentation to substantiate this claim. I demand to see the debt validation paperwork as mandated by law. 

This letter serves as a final opportunity for XXXX XXXX and XXXX XXXX to rectify these issues by promptly removing all XXXX XXXX collection accounts from my consumer report. Failure to do so will leave me no choice but to pursue further legal action to protect my rights as a consumer. 

I expect a timely response and the resolution of these matters without further delay. 

Furthermore, I want to emphasize that this situation is a clear violation of 15 U.S. Code 1681a, which explicitly excludes transaction history and experiences from consumer reports. The inclusion of unauthorized information, such as the account from XXXX XXXX, on my consumer report constitutes unfair and deceptive business practices. This places TransUnion in jeopardy as they allowed this information to be furnished. 

I am giving XXXX XXXX, XXXX XXXX, and TransUnion a strict deadline of 15 days to remove all XXXX XXXX collection accounts from my consumer report. Failure to do so will result in a charge of {$1000.00} per day for each day that unauthorized information remains on my consumer report. If accounts are not remove I will be Filing a identity theft report on transunion, XXXX XXXX and XXXX XXXX and report companies to the ftc
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am unable secure permanent housing for this reason. Thank you.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report was impacted by XXXX, TransUnion and XXXX data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Opened an account with Citi Bank ( Citi XXXX XXXX  ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

In regards to CFPB Complaint # XXXX, I sent the customer service dispute dept a letter stating that if they continued their attempt to collect the {$110.00} charge for a fraudulent merchant, I would close my account with them. In response to that letter, BAC has sent me a letter dated XX/XX/2019 stating that my account had been closed. The letter states that I asked for it to be closed. The fact is that I only said that I would close my account depending on the resolution of the dispute.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-25
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. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$1600.00} ; XXXX, XXXX. XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX, XXXX XXXX  Inquired on XX/XX/2021.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX  was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date
Consumer complaint received 2019-01-25
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. (NJ)

I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( XXXX  and Transunion ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my Transunion and XXXX. 

XXXX  : XXXX XXXX ( 2 times ) and XXXX  Transunion : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-03-15
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. (CO)

In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MT)

Rocket Mortgage used robocalls and auto dialers to target me ( 56 calls ) ; which is illegal in the state of Montana. I don't believe the banker was licensed in Montana. The mortgage they offered me was very high cost, double their own advertised cost for an appraisal. It is quoted at {$200.00} to {$400.00} on the website, up to {$600.00} for a multi-family home. I was charged {$800.00} for a two-bedroom house, and could not get a reason for this from anyone. When I refused to sign the appraisal review waiver, the loan was stalled for a week. The banker and his supervisor both repeatedly misrepresented the three-day rule, insisting I sign the waiver or my mortgage would be " held up ''. When actually, obviously they wanted to bushwhack me with the true LtV at closing and stick me with mortgage insurance. Although I estimated my house value at $ XXXX they used the figure $ XXXX, skewing all estimates and obviously the LtV, which I was not privy to since I wasn't allowed to see the appraisal until after I had withdrawn my application. They tried to charge me 2.625 in points although my credit score was in the high 770 's and the interest rate offered for the loan was 3.375 % at a time when the overnight was hovering around 3 %. Title fees were {$2100.00}. It was even worse, I mean it was atrocious. Absolute refusal to negotiate the terms. The banker XXXX XXXX filled out the application with false information and attached my electronic signature to it. It did not include all sources of income, it didn't include my dependents. It listed no bank accounts or brokerage accounts as if I had no money or resources at all. On the very first day we spoke ( call # 46 ) they required a {$500.00} " good faith '' deposit to move forward, which I would like returned to me since they clearly never intended to offer me a mortgage in " good faith ''. I've discussed this with the banker, his supervisor, ( XXXX? ) and her supervisor XXXX XXXX, both over the phone and in emails with no help. I hope I'll be able to get help here.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following ITEMS from my file. 
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 2023-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

On XX/XX/2022 I submitted a written request to the mortgage servicer providing them a copy of my tax bill for the property taxes. I also asked for the following : I received the first tax bill for my home today, which was new construction. I believe it needs to be paid from the escrow account. Please find it attached. 

Also, it seems the escrow account is overestimated by 38 % per month since it was estimated given that the house was new construction. I believe that I am due a refund, in addition to needing the monthly escrow amount reduced by 38 %. How do I request an escrow analysis be performed? 

I followed up this request several weeks later after no response was received and was told that I would receive a response by XX/XX/XXXX. I received no responses from the company.