davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> I called to make payment on the XXXX credit card and the XXXXXXXX XXXX. The XXXX card payment was successful, however when trying to make rhe XXXX XXXX it was like pulling teeth. The initial associate advised a payment could be made and I asked to speak with a supervisor. I then spok with the manager XXXX who was very condescending and accusatory. I tried to share with her my situation with the fraud and she began sharing how I had a returned payment. To be clear I have NEVER had a return payment from my account. NEVER, and it was disheartening to hear. In addition, I have NEVER been late in payment during the life if this card because I have always had auto pay setup. The purpose of this complaint is to please refund the late fees and to please educate the leaders and associates on soft skills. 

XXXX XXXX fraud supervisor Rude/ condescending XXXXpayment will not post until Tuesday XXXX XXXX XXXX interest XXXX fee- please refund XXXX fee- please refund
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. (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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

Equifax has committed numerous violations of the XXXX the rules, orders, standards and prohibitions governing consumer complaints adopted by the CFPB 's jurisdiction. As a result of this cyber theft my identity was stolen. I have had issues when applying for loans, or trying to purchase a vehicle. To date I have paid over {$1600.00} out of pocket for credit monitoring/ ID protection. To make matters worse I was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX XXXX XXXX XXXX and has to utilize my time and money to gain more information regarding this breach. It is utterly disgusting to know such FRAUD has taken place without the consent or knowledge of the people they are impacting such as myself. If Equifax was seeking money from me I can guarantee you they would've made every attempt to contact me. They must be held accountable! 

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I reported this to Equifax as well and they have done nothing to help me in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (TX)

In accordance with the Fair 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 Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank-of-America-Statement-Received-XXXX XXXX XXXX XXXX 

Bank of America ( BoA ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at XXXX. 
See comments from the BOA Call I made on XX/XX/XXXX. 
Also, please let XXXX credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. XXXX unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. XXXX has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score. 
Please see the attached loan paid receipt E-Mail from them. 
This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.
Consumer complaint received 2023-03-07
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)

This is my follow-up 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 items 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 XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the addresses on my credit report are not my addresses these addesses is not mailable # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX, XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX il 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. (CA)

I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-09-23
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. (PA)

I Submitted a claim to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX is reporting that on XX/XX/XXXX & XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. " XXXX XXXX XXXX responding saying that I went to XXXX XXXX XXXX to apply for a car loan. This is not true! I would like for XXXX XXXX XXXX to show my signed application on file to confirm that I indeed apply for credit and indeed did authorize an inquiry to my credit file.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I first went through a credit resolution company named, XXXX  to help settle credit card debt with capital one. 
They were a third party company I'm using to help settle credit card debts. After awhile of Capital One purposefully not collecting my payment after almost a month, I called them directly to have them take payment for both accounts respectively. I paid ( settled ) BOTH accounts and I have confirmation numbers to prove it. So I do the leg work to get the items removed from my credit report ( XXXX ) and now capital one is saying that my debt is still owed to them, which can't be true, which means they're lying or trying to squeeze more money out of me. 

As of XX/XX/XXXX my debt should have shown as settled or paid on my credit report. But captial one is trying to bleed me.
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (FL)

Hello. I closed on our property on XX/XX/2019. At the time of closing we were charged {$3700.00} dollars for Mortgage Insurance Premium and issued a FHA case No XXXX. We recently tried to do a Streamline Loan and was told that they dont show that we have an FHA loan. I contacted the FHA and they said they never received a payment for the loan. I have made several attempts to contact Eagle Homes who I purchased the property from as well as the closing company Cal-Atlantic and gotten a total run around. No one returns my calls or can provide me any insight as to what happened to the money. In addition, when we closed we choose XXXX for our homeowners insurance and have the documents signed stating a check would be disbursed to XXXX. A month later we were notified by XXXX that they never received the payment. Eagle cancelled the payment to XXXX and assigned insurance to another company of their choosing. We had to pay the premium out of pocket until the other insurance refunded the money. This caused our mortgage payment to increase because we were now at a deficit. I believe Eagle Home Loans has violated fair practice laws and willingly with holding our funds. 

XXXX and XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-23
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION (CO)

I have been attempting to get on the forebarance plan with Third Federal. They offered me three options. With 2 options my credit would be negatively impacted, with the third, they would accrue interest during the forbearance plan, which directly violates the CARES act. I have recorded my conversations with the bank as well, for proof. 

I also was denied a modification. They ran my credit several times unnecessarily, so I am now in a worse position ( lower credit score ) due to the hit my credit score took ( because of their inquires ) They don't care about their clients.
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)

I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least XXXX addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
Consumer complaint received 2023-03-07
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)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.