davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XXXX I had 2 credit cards with capital one. My first card was a secure credit card that I gave XXXX to open on XXXX then in XXXX they gave me a card without any money down. In XXXX I was out of town on business and I was stranded without any money so I had my girlfriend send money to my credit card because I done it once before I just had to wait for it to show up on my card and it automatically goes through at XXXX XXXX. I was at a hotel waiting to pay for a room and there was people trying to get my room if I didn't pay so I called capital one and explained my situation and right off I could tell that the guy I talked to seemed like he hated his job and I explained that I've done this before and he said he can see that the money was there but it wasn't released yet because it was XXXX minutes to XXXX and he did not care he was to busy talking to the guy next to him thats when I asked to speak to a supervisor so he put me on hold and then a guy answered and it was the same guy he was talking to the entire time. So I asked for his name and he said they don't give out there names. At this point I was done, I told him to cancel both my accounts and I hung up. I slept in my car that night and the next morning on my way home I called corporate office to talk about what had happened and I spoke to a guy that was truly a nice guy and I think he was a GM if my memory serves me right but anyway he said that he the guy the night before had canceled my card that I paid XXXX to open but not the other one and he talked me into keeping my other one plus he did something else that was pretty cool I just can't remember what it was. Anyway so I had only one card left and 2 years later I found out that the card that I canceled was 90 days late on payment so I called them back and wanted to know why 2 years later I was dealing with this when it should have been canceled and the XXXX I put up to get it I just let capital one keep it because I was at the limit anyway so just keep the XXXX and be Done with it. I remember the girl saying are you sure you want to do this and at the time seemed weird but I was like yes and she said okay and come to find out it was a charge off. Now it looks like 90 days late and a charge off and none of it makes sense at all. 

I apologize for writing so much its like I just relieved that moment. Sorry but please help. Thanks XXXX XXXX
Consumer complaint received 2023-01-03
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

Some weeks, past, I received my motor vehicle insurance bill ; with a notice of rate increase related to an Experian credit report. The notice indicated that I am entitled to a free copy of that report within 60 days of the date of that notice letter, XX/XX/2017. 

Today, I called the phone number provided for Experian, XXXX, which is wholly automated ; and, my responses to the prompts resulted in the stated order of my credit report to be received in 8-10 working days, by mail. That was not my intention ; and, this report will likely count against the one free annual report to which I am entitled. 

This company provides no means for live communication, and should be put out of business without remedy of this matter.
Consumer complaint received 2021-12-08
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. (GA)

I have been battling with Equifax for roughly XXXX calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I am writing this due to non- reportng with ( Equifax , XXXX , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.
Consumer complaint received 2022-05-04
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2020-06-03
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. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2022-05-04
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (TX)

I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.
Consumer complaint received 2022-05-04
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)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX IN Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

A week before my home was set to go for sale in XXXX Flagstar told me they wanted to help me, called me, and asked me to send documents showing what we had done to the house so far. ( I used my own money for repairs ) they kept holding me off until a day or two before the sale, Flagstar did request to cancel the sale and was denied but I was informed by the courthouse that Flagstar could cancel without permission but declined to do so. When Flagstar called me to work something out and continued to work to foreclose my home is unethical, to say the least. I consider this to be dual tracking and illegal, I have since turned over XXXX to Flagstar but they still are foreclosing on me due to XXXX in fees. again they acted as if this was something that we could work out, especially since the principal of the home has been paid for but now I am set for foreclosure sale tomorrow at XXXX XXXX  even though my home has been paid for and the only thing left is fees
Consumer complaint received 2022-06-10
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 XXXX BANK Account # XXXX, has violated my rights. 

XXXX5 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 2018-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i am writing in regards to some unauthorized withdrawals that had been taken out from my account in the amount of XXXX from XXXX XXXX.i have never dealt with this company i have tried to dispute the transactions with my bank capital one so that they could temporary credit me the amount.but they said they apparently found nothing wrong with those transactions
Consumer complaint received 2018-11-26
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: BB&T CORPORATION (MA)

XXXX has been non-compliant with removing the unverified account BB & T which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CLEARING CORPORATION (OK)

I completed an applicaion to refinance my home on XX/XX/XXXX with Mortgage Clearing Corp., however even before completing the application a hard credit report was pulled. Since the hard credit report was pulled I decided to complete the process. I completed the application and contacted the mortgage company I spoke with XXXX XXXX a loan officer who told me that they were backed up but he would call me right back to answer my questions and check on the status of the application. I never heard back from him so I called again on XX/XX/XXXX 3 seperate times left a message again no return call. I called back on XX/XX/XXXX, XX/XX/XXXX left messag for XXXX XXXX or XXXX not certain of the last name and XXXX no return call. Called back on XX/XX/XXXX left message with XXXX no return call. Called XX/XX/XXXX spoke briefly with XXXX, he said he wasn't sure why the delay and that he would check on it and call me back. No returned call from XXXX or XXXX. Called back on XXXX left message with XXXX no return call. Called back on XX/XX/XXXX got XXXX 's voice mail did not leave a message. Called back on XX/XX/XXXX left message for XXXX, called twice on XX/XX/XXXX left message for XXXX and for XXXX. No call back. Emailed the mortgage company on XX/XX/XXXX pleding for a return call, no call back. Called XX/XX/XXXX and this time I was put in the voicemail box of XXXX, left message. The voicemail of XXXX said if you applied for a loan you should hear back within 2 days.
Consumer complaint received 2022-05-04
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)

I previously disputed my collection with XXXX for XXXX XXXX with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.
Consumer complaint received 2022-05-04
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. (CA)

I previously disputed my collection with XXXX for XXXX XXXX  with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.
Consumer complaint received 2022-10-29
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. ()

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 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 2022-02-07
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)

To Whom This May Concern, I've tried numerous attempts with Equifax to update my address and name on file, but to no avail my attempts have not been handled. I sent out a certified letter including my driver license with my one and only current address, a copy of my social security card, and finally my latest utility bill. I'm requesting for the 3rd time this be updated per my correspondence that I have sent them. Please review the enclosed attachments. Please and Thank you. Take care.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get fraud alerts removed off my Transunion account for over a month. I cant do It online, they cant do it over the phone, i mailed in documents XXXX and they still cant solve my issue
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX dealership. They unauthorized contacted XXXX XXXX, Capital one auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.