davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-05-17
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. (NY)

I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by XXXX transunion, or XXXX. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX , XXXX MS XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Wrong Phone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Wrong Employment Data : XXXX, XXXX XXXX, VA XXXX
Consumer complaint received 2022-12-16
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. (NV)

I have asked XXXX and XXXX and Equifax to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Avadyne Health Holdings, Inc (IL)

I called to speak with an H & R collections representative two different times today ( XX/XX/22 ). During the first conversation when I asked for my account number to pay my bill online I was told I was being taken to small claims court and could not pay online. I asked for the account number anyway and discovered later I could pay online. I called back after losing the account number where again I was told I could not pay online. I also asked about being sued. I asked when this was happening and if I could have evidence of this. I was told no and that they did not have to provide a record. I asked if I could talk to someone who could tell me more about being sued and I was told no. I felt like I was being threatened over the phone in order to get me to pay off my debt.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Purchased a flight on XX/XX/XXXX using Capital One XXXX  through my Capital One XXXX credit card. Had to cancel flight ( XXXX ), but got travel credit through Capital One XXXX. At this point my credit card was cancelled ( Capital One XXXX  ) already due to avoiding annual fees so I used my Capital One XXXX credit and another credit card to pay. Rebooked the new flights over the phone with a Capital One XXXX agent in XX/XX/XXXX for XX/XX/XXXX XXXX. Had to cancel our XX/XX/XXXX flights with XXXX and after 5 months of calls they let us know they refunded the {$800.00} flight to Capital One XXXX which was broken up into 2 credit card reimbursements and XXXX in miles. We were not told this until last week in XX/XX/XXXX. When I went to look at my XXXX account with Capital One the account is PURGED. We called customer service and were transferred 3 times on hour call with no resolution.
Consumer complaint received 2019-11-20
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. (NY)

I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.
Consumer complaint received 2019-08-26
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

In XXXX I had some unauthorized charges from XXXX. I called pay pal multiple times and asked them to remove my checking account and explained I did not give permission for them to use my checking account. They advised to go online and remove my bank account from my XXXX account. I explained every time I tried to do that it was giving me a error. I then went into a Peoples Bank Branch and st down with a MANAGER for a long period of time explaining this issue and asked to close my account and open a new account to prevent any further transactions from XXXX. I showed the manager how many times I called paypal and showed him the error message. He advised that I did not need to close my account a block would be put on and no more transactions could come through. This month 2 more XXXX  cam through causing my account to over draw. I called peoples and was told to file a claim and I would NOT be refund overdraft fees even if it was fraud. I asked for a manager and was still not assisted. I was emailed thinking I could file the claim electronically but I'm asked to come into branch again or find a printer and fax. I called XXXX  several times and they told me they removed the bank account and refunded me but I have not received my money. I followed up with Peoples Bank several times and I have not come to an resolution.
Consumer complaint received 2017-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: American Payment Holdco, Inc. (KY)

I used Check Free Pay to make a mortgage payment but the mortgage servicer never received it. Check Free Pay claims they sent it but XXXX XXXX says they have n't received it. 

Date Money Sent : XXXX/XXXX/17 Amount : {$1800.00}
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2022, my husband visited Fifth Third Bank at a branch location to inquire about a home improvement loan. ( They currently hold our mortgage ). We have not yet decided that we want to get one ; he was looking for basic information to inform our decision on whether or not to apply for one or to finance another way. 
The bank ran my credit ( hard inquiry ). I did not give my permission for that action whatsoever, and my husband was unaware they planned to do so.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

Hi All, My Name is XXXX XXXX. 
Mortgage Company : - NJ Lenders Corp XXXX XXXX XXXX XXXX XXXX I am planning to buy the new home in XXXX XXXX XXXX 
I had the contract with seller and initially closing date was mid XXXX. ( Now is changed to XXXX XXXX or before that ). 

I started to search Mortgage company for Home loan and and find NJ Lenders as Mortgage for same in XXXX and XX/XX/2022. 

As closing was in XXXX so we discussed in XXXX and locked the interest for 3.875, agent confirmed on email and after few days he changed his words and changed interest rate to 4.25, still I was ok and signed the documents.

On paper interest rate 4.25 expiration date was XXXX XXXX Then we email NJ Lenders loan officer and informed our closing is in XXXX, may be this date will be a problem. 

Then on email he confirmed that we will get 30 days extension on top of the XXXX XXXX, means ideally we should get XXXX XXXX as extension for 4.25 interest rate. 

Then after few days we discussed with buyer and confirmed closing date as XXXX XXXX to load officer and he confirmed lock is extended in email, and we requested him to update same on documents, in email he mentioned its not needed., We trusted on them. 

After 2 days only we called NJ Lenders and told them we are ready to close on XXXX XXXX so we can able to get extension lock time frame, then officer on call suggested we can close on XXXX XXXX and we will get same interest rate. 

Then for 2 weeks I was trying to follow up with them on under writing and all process, they only said its in progress and today on XXXX XXXX they send new documents with new interest rate as 5.125, this is totally cheating, we trusted on them and not did any other loan shopping. 

Now we sent email to them and they said if close before XXXX XXXX then only we will get 4.25 interest rate. But as per last signed documents and email communication from NJ lenders 4.25 its extended still XXXX XXXX ( in email he confirmed lock is extended ). 

We need government help to resolve this problem. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

Could not get this resolved as the representative did not understand the charges was put on hold XX/XX/XXXX I paid off the balance on my XXXX XXXX credit card. After that I was charged {$2.00} for fees that are unexplainable. Those were attached after I paid the balance. Sounds like a type of fraud to me credit card companies got way too much leeway to do as they please to the consumers. I would like a viable explanation thank you very much
Consumer complaint received 2022-05-17
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (CA)

This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-05-17
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX 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 written instructions.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Consumer complaint received 2023-06-03
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. (FL)

I recently noticed inaccuracies on my credit reports and also noticed these accounts were also unauthorized due to my info being shared in the Equifax, XXXX, and XXXX Data Breach. These same bureaus verified these accounts without making sure they were accurate. I asked for steps of verification and they failed to send me any updates. These inaccurate accounts are greatly ruining my reputation and I need them removed immediately
Consumer complaint received 2022-05-14
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: Eastern Account Systems of Connecticut, Inc. (GA)

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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX, and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

Yet again turning to the tenets of the Fair Credit Reporting Act, the section 604 subsection ( a ) .2 asserts the power of consent. It states that a consumer report can only be furnished under certain circumstances, the most crucial among them being the written consent of the consumer. In present circumstances, both the consumer reporting agencies XXXX and Experian, and the furnisher of information to credit agencies, lack any such endorsement from me ; neither in written nor in any other form. Henceforth, any form of consent to the aforementioned parties, be it verbal, non-verbal, written, implied, or otherwise, stands unequivocally revoked. 

The ethos of 15 USC 6802 ( b ) ( c ) stipulate that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option. 

Inflicting another breach, they reported an adverse account in violation of 15 USC 1681C ( a ) ( 5 ), which clearly states that reporting agencies can not publish any adverse item of information without specific authorization. This includes items which predate the report by more than seven years. 

The guidelines mentioned under 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibit the furnishing of any information that is known or believed to be inaccurate. Yet, contravening the law has become a frequent occurrence with these reporting agencies.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

Dear CFPB Team : I felt victimized by the syndicate of Bank XXXX XXXX XXXX times now. 

Even though I login securely to my US Bank ( usbank.com ) account & did my XXXX transfer there on XX/XX/XXXX to my legitimate recipient, still she did not receive the money about 7 business days after. The US Bank website disclosure promised in the that the funds will be received in minutes or on standard way is XXXX business day. 

Immediately after I confirmed and it the SEND button, the USBank N.A. website displayed a message to me that the funds was SENT ( please see the screenshot attached ). 

It has been a week now, my funds was taken from my account but never got to my intended recipient. 

I called the # USBank to file a FRAUD claim but they were giving me a cold shoulder as if I am blamed for authorizing the transfer even though, US Bank introduced me to XXXX tool and that my recipient is not a scammer as she was my assistant. 

Today, since I filed for a FRAUD with US Bank N.A. they said that they may deposit a provisional reimbursement only after 10 days from the time I filed for this FRAUD complaint. Also, my business account that has been opened since XXXX has to be closed out and I had to go to the physical branch to reopen a new business account. 

This similar scenario has happened to me last month with XXXX Bank XXXX XXXX where XXXX hoarded my {$1000.00} funds. 

This MUST BE STOPPED, INVESTIGATED, REGULATED and INSURED prior to the banks promoting any 3rd Party for us costumer to subscribe to. 

One of the many Consumers who get FRAUDED by XXXX and the Bank, XXXX XXXX. 
XXXX, CA
Consumer complaint received 2022-12-16
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$990.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$740.00} ; XXXX  XXXX  XXXX XXXX XXXX Balance XXXX {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$310.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$760.00} ; XXXX XXXX & XXXX XXXX Balance XXXX {$4200.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.