davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (TN)

XXXX, XXXX XXXX XXXX XXXX XXXX to XXXX on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to XXXX. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to XXXX. XXXX needs XXXX more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or XXXX Department to confirm their representation of the submitted materials. 
XXXX XXXX XXXX, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
XXXX XXXX XXXX, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX XXXX XXXX {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to XXXX XXXX XXXX, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number # XXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Consumer complaint received 2022-10-30
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. (IL)

I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

We opened a credit card in my wife 's name that had a promotional free interest rate for 15 months in XX/XX/XXXX. I checked my statement in XX/XX/XXXX and it was still showing 0 % interest. No where on the statement was an indication of when the promotional interest would expire. When I looked at my XXXX Statement, I was charged {$160.00} of interest. I called Capital One and they said they would not waive the interest since the provided the length of the promotional period in the terms and conditions when I opened the account. This seems unfair and deceptive - a way to ensure they will be able to charge interest to customers. Other credit card companies have the promotional period on their account statement so it is very clear when the promotional period ends.
Consumer complaint received 2021-12-21
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. (CA)

On XX/XX/2021, I, XXXX XXXX, a consumer and the original creditor, sent via certified mail, an affidavit of truth to Experian. In it, I outlined how they committed identity theft, among other things, causing XXXX XXXX and tarnishing my good name, with information of alleged debts that do not pertain to me. You can find the detailed information in the attached paperwork.
Consumer complaint received 2022-10-30
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)

The inquires below are unknown inquires. 

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 2023-03-07
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. (FL)

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION 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.
Consumer complaint received 2021-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

On XX/XX/2021 payment was made in the amount of {$2000.00} for my auto payment.On this day my balance should had been reduced and updated to the credit bureaus to {$40000.00}. On XX/XX/2021 the balance was updated to owning {$43000.00} to XXXX Credit Bureau, XXXX {$43000.00} with my last payment being XXXX XXXX, and XXXX has not been updated for 2 years. I put in a dispute with the credit bureaus and XX/XX/XXXX XXXX the balance came back the same for 3 months ; XXXX and XXXX updated the balance as {$43000.00} even 12 days after I made an additional payment. PNC bank has repeatedly ignored reporting my account paid on time since the very beginning of my XXXX loan by miss applying my payments and labeling my account 30 days late
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (WA)

I applied for a cashout refinance mortgage loan with lending.com, through Finance of America Mortgage LLC on XX/XX/2019, promptly submitting all requested documentation. My husband and I have successfully finalized approximately 30 mortgage applications, 2 within the last 5 years, so we are very experienced with this process. This is the first consumer complaint I have filed in my lifetime. 

I complied with the stated request from the prospective lender : Here is what we need you to do for uswith the IRA asset in your name., we need you to set up a distribution of so we can get an approval. Once you close and this has funded, you can discontinue to the IRS ( sic ) distribution at your convenience.

Once that was done, the prospective lender issued a Closing Disclosure, issued XX/XX/2019 with a closing date of XX/XX/2019, with a loan amount of {$270000.00}, interest rate of 4.125 %, with points at .375 %. 

A few days later, I received an email which said I did not qualify for the loan specified in the Closing Disclosure after all ( which had been offered to me if I set up the IRA distribution ). Rather, I qualified for a significantly smaller loan. Additionally, I was offered 4 other loan options from which I could select. 

I called the president of lending.com, and discussed the numerous errors made by the lending staff throughout the application/closing process, most of which are documented by approximately 200 emails. 

Among the many errors are a {$700.00} appraisal fee as opposed to the {$470.00} signature-authorized VISA payment. Additionally, when a {$33000.00} closing cost was challenged by me, the lender explained it was only a typo. 

I told the president of XXXX that I believe I am a victim of age/sex discrimination in this transaction since I am a XXXX year old woman sole applicant. He said he would have two senior officers review my file. 

A few days later, I received yet another Closing Disclosure, issued XX/XX/XXXX with a closing date of XX/XX/XXXX, with the same loan amount, same interest rate, with points now at .5 % ( an increase of {$350.00} ) which I signed and submitted, pleased that the lender was honoring the companys previous commitment. 

The lender responded to my approval regarding the Closing Disclosure ofXX/XX/19 by  stating : That was simply a redisclosure. We need you to choose one of the 3 options that I gave you to move forward. ( 1 of the 4 options seems to be no longer available. ) We extended it for a short amount of time as a favor to youlikelihoodthere will be a significant cost to you to extend again ( He made no mention of the increased cost of {$350.00} ).
Consumer complaint received 2020-06-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

TD Card Services TD XXXX card was cancelled in XXXX. The card also expired in XXXX. On XX/XX/XXXX, a vendor was allowed to force through a charge for a subscription renewal in the amount of {$24.00}. 

If the vendor wishes to receive payment, the vendor must request new payment information. If a card is cancelled AND expired, a credit card can not be billed for services that have yet to be rendered.
Consumer complaint received 2022-10-31
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX BANK XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

Received two ( 2 ) letters from Chase Card Services regarding applications for two ( 2 ) Business Credit Cards for two ( 2 ) of my businesses. I DID NOT apply for these Credit Cards. Called Chase and they cancelled the applications and said I may have been a victim of Identity Theft.
Consumer complaint received 2021-03-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (UT)

Westlake Financial is reporting Account # XXXX for {$14000.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Westlake to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Westlake and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. Westlake has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Your company is deliberately passing reporting obvious inaccurate information. This is my third or fourth time requesting a Line by Line investigation, and or that these accounts be deleted because they are inaccurate. You and I both know that you are Not doing a proper investigation In Accordance With ( XXXX ) the Fair Credit Reporting Act. How many times do I have to bring the fact that you are reporting Inaccurate information to your attention, which you and I both know is a Blatant violation of my federally protected rights. I prefer to work this at the lowest level, but you are leaving me no choice. I need these corrections to be made and inaccurate accounts deleted. Incorrect Names 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 accordance with 15 U.S. Code 1681s2 - ( b ) ( XXXX ) ( D ) Responsibilities of furnishers of information to consumer reporting agencies this information must be deleted if the investigation finds that the information is incomplete or inaccurate, report those results to All other consumer reporting agencies to which the person furnished the information and that maintain files on consumers on a nationwide basis. Accounts Deleted off other Credit Reports 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 These accounts and inquiries have been deleted from my Transunion and XXXX XXXX XXXX. In accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated reinvestigation system ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting act, these accounts are in violation of my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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. I am tired of asking the credit bureaus to delete these inaccuracies and to stop violating my rights.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : Transunion - XXXX XXXX  {$2300.00} XXXX - XXXX Card {$2300.00} XXXX - XXXX XXXX  {$2300.00} Inquiries : Transunion - XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the account below : XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : XXXX - XXXX Card {$2300.00} XXXX - XXXX Card {$2300.00} Experian - XXXX XXXX  {$2300.00} Inquiries : XXXX - XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (IL)

I sent a letter on XX/XX/XXXX to TransUnion to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion is required to remove any item not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$36.00} ; XXXX XXXXXXXX Balance : {$36.00}
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I cancelled my auto debit along with putting my account into forbearance on XX/XX/2023. I received confirmation that night that my auto debit was cancelled, and no pending payments for the auto-debit were active.

On XX/XX/23 I received notification from my bank that the auto-debit was taken out of my account, causing me to go negative on hand. 

I call nelnet and they show no pending payments for the auto-debit. Then they back tracked and said you needed to cancel it 3 business days prior. I checked all the documentation provided while cancelling including the cancellation email, and none of the paperwork mentioned any of this.