davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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. (AR)

I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

For decades. Every single credit card company has been scamming the users of international purchases. When you make an international purchase you are quoted a charge which is the exchange rate that moment, but its marked pending for usually three days. During those three days if the dollar falls they reassess the charge marking up the product some secret amount. When the dollar gets stronger they dont change the charge and give the benefit to the card user. This process is reaping billions in profits to the credit card company each year and I believe is quite unfair to all consumers. We should be able to expect the charge when made will remain the charge on the statement and not make the consumer responsible for these hidden charges by the banking industry. In fact all these banks advertise no exchange fee or international charges. But in reality they are doing so by manipulating the final price days after the charge. I am not sure who to present this fraud on the people too. So I am starting with you.
Consumer complaint received 2020-02-28
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. (FL)

XXXX XXXX Equifax XXXX XXXX XXXX XXXX These are my complaint numbers from CFPB All 3 credit bureaus wanted a police report and identity theft report. Copy on my drivers license. 
For there investigation on XXXX XXXX. 

I am a victim of identity theft. I never opened an account or loan from this company. There is no inquiry from this company on any of my credit reports. All three credit bureaus have a fraud alert on file. No one from XXXX XXXX contacted me to ask is it was me for this loan. My phone number is on the fraud alert. I call their customer service number. It goes straight to voice mail. This maybe a scam.
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 2 open items on the credit report : An auto loan of {$6700.00}. Home mortgage loan of {$300000.00}. TransUnion should delete any remaining items from the reports as they are false/defamatory.
Consumer complaint received 2023-06-02
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-09-24
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance {$1300.00} Opened XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.
Consumer complaint received 2023-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TranUnion is dragging there feet # XXXX XX/XX/XXXX Registered Letter I supplied them three forms of ID and supporting Documents Court Letter and asking them to change the XXXX Filing Date SUPPLIED THEM A LETTER WITH CONTACT TO GET ACCURATE DATES I also supplied them corespondences XXXX XXXX as XXXX XXXX XXXX XXXX QUALIFYING IT TO BE IMMEDIATELY REMOVED FROM REPORT the bureaus have a unique way to drag on and and extend and reopen disputes my letters attached to them and in CFPB Complaint # noted above copied you as well THESE DOCS ARE STRONG EVIDENCE TO IMMEDIATELY BE REMOVE my question is how can they say VERIFIED when my on going registered letters to the creditors direct GO UNANSWERED this is proof THERE CLIENTS NOT MINE ONLY HAVE TO SEND A ELECTRONIC RESPONSE WITH NO SUPPORTING DOCS OR EVIDENCE in my letters it clearly states how these illegal tatics to collect IAM NOT RESPONSIBLE EVEN IN A MARRIAGE FOR A SPOUSE COMMITMENTS THIS LAW WAS CHANGED YEARS AGO bottom line proof of contract bearing my signature not estabilished as far XXXX XXXX XXXX MY LETTER AND UNANSWERED COMPLAINT GO UN ANSWERED FOR MONTHS also my proof and registered letters to both fact included THIS HAS TO GET CORRECTED IMMEDIATELY NO 30 DAY FROM NOW OVERDUE I have become homeless denied leasing options as well unqualified mortgage loan and tend to hold TransUnion Liable for this
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Transunion, This Collections Account XXXX is XXXX. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide 100 % Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XXXX XXXX ( XXXX XXXXL XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-28
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. (FL)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit report
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit report
Consumer complaint received 2020-02-28
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. (TX)

Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX  Opened : XX/XX/XXXX Amount : XXXX XXXXXXXX  Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

We sold & closed on our 2nd home on XX/XX/2020 & have still not had our escrow funds in the amount of {$4100.00} returned to us. The mortgage co. is Mr. Cooper, loan # XXXX ; the location of the property is XXXX XXXX XXXX, XXXX, CO XXXX. I have contacted the mortgage company 5 times : ( 1. ) XX/XX/XXXX : XXXX  told me the 2 checks ( XXXX & XXXX ) were sent on XX/XX/XXXX ; she said it would take 7-10 business days to arrive ; ( 2. ) XX/XX/XXXX : XXXX ( TX ) confirmed the pay. was sent on that date & asked if we would like a reissue but cautioned me that the checks should arrive any day so if there was a reissue the clock would restart & again take another 7-10 business days ; ( 3. ) XXXX : XXXX said the date of, " log in '' of the check wouldn't be the same day of mailing & encouraged us to wait a little longer before doing a reissue ; ( 4. ) XX/XX/XXXX : XXXX ( TX ) apologized profusely & asked me to send a voided check to allow him to wire the funds into our acct. stating the process would take up to 5 business days ; ( 5. ) XX/XX/XXXX : Upon checking my acct. we discovered the larger amount of  {$3700.00} had been deposited on XX/XX/XXXX ( 6 business days after being told " up to 5 ... '' ) ; I talked with XXXX at Mr. Cooper who told me the {$350.00} would be wired to my acct. taking, " ... up to 7 business days. '' which means we've been waiting for 2 mo. for our  escrow refund! 
We have been purchasing real estate for over 26 years & have never dealt with anything like this ; if this company is allowed to cont. these practices they'll be collecting a very large sum of interest on someone else 's $ $!! 
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NC)

In reviewing my credit reports, I noticed a fraudulent account on all my credit reports. I contacted XXXX, Equifax and XXXX. I was informed that they needed an FTC report and verifying documents to remove this fraudulent account. I sent an FTC report to XXXX, Equifax and XXXX along with the verifying documents requested. XXXX has taken action, however Equifax and XXXX continue to report false information and damaging my personal credit. I resubmitted and FTC report for the second time to both Equifax and XXXX along with the verifying documents. Equifax and XXXX continue to report false information. They are stating that the information is verified. 

If someone has my name, social security number and any other identifying items then it will always come back verified. I have done my part and have made it very clear to both Equifax and XXXX that this a fraudulent account and have sent the correct documents to them twice. XXXX more time than I should have to. Equifax and XXXX need to remove this fraudulent account as they have the documentation requested from me to remove this account from my Equifax and XXXX credit Reports. I and it very unsatisfactory that these agencies are allowed to continue to report false information even with the documents provided that both agencies requested to have this account removed, The account is an auto loan from XXXX XXXX.
Consumer complaint received 2020-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DE)

XX/XX/20 *Submitted final pay off request to satisfy my loans in full effective XXXX XX/XX/20 *Logged on aes account to see loan balance at XXXX. 
*Money still in checking acct. ( transactions can take 2-3 days ) *Contacted aes to verify payment was complete - they confirmed it was and i would receive pay off letter w/in 30 days. 

XX/XX/20 *Verified funds still in checking account *Called aes - who verified payment had been made and to give it another day or two or contact my bank. 
*Contacted my bank - they show no record of ach or payment transaction / request *Call back to aes - again verifies everything is fine. 
*Mobil Website has no information available - all functionality down due to 'account closed ' status XX/XX/20 *Verified funds still in checking account. 
*Called bank to verify. 
*Called aes to verify payment - Their records show account is satisfied. 

XX/XX/20 *Day 4 - outside 2-3 day ACH *Verified money still in account / bank has no record of request for funds. 

XX/XX/20 *Log onto AES XXXX account balance back, shows overdue account. 
*Called AES XXXX asked to speak to supervisor, They could not provide a supervisor or manager - accountant fielded my call. 
*Accountant suggested 1 ) my account number was wrong but could not explain how i had successfully paid from that same account for the last 10 years - suggested i delete and reenter account due to technical errors on their end - would not elaborate or explain why none of the 3 prior calls had caught it.

2 ) Would not issue a credit for the additional interest incurred.

3 ) Would not submit a letter stating that payment had been submitted before account was overdue.

4 ) Suggested when using the mobile account I force it to open 'web view ' for more detailed information - I found this superfluous as I picked up the phone to speak with 4 separate customer service representatives who failed to notify me of any issues.
Consumer complaint received 2020-02-28
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. (TX)

Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, CAPITAL ONE, 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

" I called Capital and make the full balance payment on this account and asking to remove this account from my credit file, because the late payments on this account limited me to get access to new credit to buy a car, at the time I had the late payment on this account is because I had XXXX and been sick for several months after that I had a car accident where I XXXX XXXX XXXX XXXX  and my XXXXXXXX and been out of work for several months and my car was total lost. ''
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022, I had my wallet pick pocketed from me. I had thought it was only misplaced or lost at the time, so didn't cancel my cards until a week later which ended up being a big mistake. I thought nothing of it until XX/XX/2022 when I noticed a large transaction at XXXX ( A grocery store ) for {$3300.00} on my Debit card on XX/XX/2022. I surmise that the products purchased were a great amount of gift cards, and I can't understand why that doesn't trigger any red flags. Nor why the thief didn't have to use my pin for my debit card. 

I immediately filed a fraudulent Debit card claim with Bank of America, which was quickly denied due to their assumption that the spender was " an authorized user on this account ''. This was obviously not the case, so I called their fraud department hotline to give them additional details and reopening the claim, which was shortly denied again for the exact same reason. 

I then figured BOFA wasn't going to do anything about this, so I filed a police report. The case number is XXXX for the XXXX XXXX Police Department. There is currently a subpoena for the XXXX to pull their tapes and provide video evidence that the spender was not me, but it has already been over 4 months and I highly doubt that any timely progress is going to be made. 

This is no small amount of money, and it's frankly ridiculous that someone can look at this transaction for thousands of dollars at a GROCERY STORE and think yup this looks legit. Anyway I attached the police report for review. 

Thank you for your time, and I look forward to hearing from you.
Consumer complaint received 2022-10-27
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)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX 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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I was looking at my credit report from the government approved annual credit report website and noticed my name was spelled wrong on all XXXX credit reports. My name is XXXX XXXX XXXX spelled exactly that way no others. Also theres unexplained inquiries on my credit reports how they get there. Furthermore theres these accounts on my credit report that are incorrectly reported to my credit with different inconsistencies like dates, amounts, and mainly my name.