davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (MN)

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX MN XXXX. 

I have contacted the companies to get this corrected and they refused to update my information to the correct information the other information I do not know where it came from as it isn't familiar to me. This information below is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

I received a letter dated XX/XX/2022, from Truist Bank indicating I tried to deposit a check for XXXX into my account, but Truist Bank rejected the check deposit stating the check was fictitious. Now Truist Bank is asking me to pay {XXXX} for overdraft fees. 
I never opened any accounts with Truist Bank, so an unknown person fraudulently opened an account in my name. The hot check was from a company called XXXX XXXX XXXX located in XXXX, LA. The check had no account number printed on it and was signed on the back using my name with a forged signature. A copy of the check was sent to me by Truist Bank. Evidently, someone also created a fake account in my name at XXXX XXXX XXXX. I tried canceling the account with Truist Bank but was not successful. Repeated attempts to contact them resulted in excessive wait times and I eventually stopped attempting to contact them. I have had approximately 12 companies or credit card services send me notices that someone tried to open an account in my name. Most seem to be unsuccessful, but I am worried that somewhere an account in my name has been successfully opened.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

In XXXX of XXXX I asked freedom mrtgage to remove the PMI from my mortgage since the value to loan percentage was below 80 % They relate dit would drop off automatically when the 80 % number was reached. 
In XXXX of XXXX I spoke with the company again about an insurance issue they had inflamed and asked again about having the PMI removed. They related that I was well within the safe area to have the PMI removed and they would send me a letter to start the process. 
XXXX I spoke with them again about the PMI to be informed that they had sent me a denial letter due to payment history. ( i have been on time or early in my payment since the loan was purchased ) I did not receive any correspondence from the company aside from my monthly bill and marketing to refinance through them incurring additional closing costs.
Consumer complaint received 2022-09-19
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: CAINE & WEINER COMPANY, INC. (DE)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 and the Fair Debt Collection Practices Act 15 U.S.C 1692 Caine & Weiner has violated my rights. 

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

I did not provide Cainer & Weiner with written instructions to furnish any account on my credit report, this company is violating my rights continuously. 

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

I demand Caine & Weiner cease reporting this account to my credit report and delete the item immediately or I will file for litigation for the stress your company has caused me.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/2020 I received two alerts indicating that my balance from Credit acceptance  INCREASED by {$290.00} and on XX/XX/2020 they also indicated that my balance increased by {$290.00}. This is NOT accurate. My balance actually DECREASED by that amount. 

I contacted Credit Acceptance DIRECTLY to ask them if they can correct the information and they advised me to file a complaint. 

This INACCURATE information had DROPPED my credit score by almost one hundred points.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened Capital One XXXX XXXX account ( # XXXX ) on XX/XX/2022. I fulfilled my required spending with legitimate purchases and received XXXX points as a bonus for opening the account. I also paid {$390.00} for an annual membership fee. In late XXXX, Capital One " conveniently '' closed the account without any explanation, no call, no letter. 

Further, Capital One partially confiscated the points and provided an " automatic '' credit at {$0.00} per point, which is only 25 % of the true value of the points, without giving me a chance to use the points the way I would prefer within a pre-specified period. 

I fully paid off the balance on the closed account, fully fulfilling my obligations to Capital One, but expected a prorated refund of the annual fee of {$390.00}. 

The pro-rated refund never came. 

In a few months, I never got said prorated refund and called to complain to no avail. The representative explained that I am not entitled to a refund of the annual fee, even though Capital One themselves closed the account, just 2 months after opening it. 

I fully understand that any credit card account may be closed with or without reason, however, the confiscation of the {$390.00} annual fee is a form of theft from my point of view. To my knowledge no other financial institution has the audacity to confiscate annual fees upon involuntary and self-serving account closure. 

Further, the above consideration also applies to the partial confiscation of the legally earned points, without giving a reasonable opportunity to a customer to use the points the way he/she finds suitable.
Consumer complaint received 2024-02-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00}
Consumer complaint received 2022-04-04
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)

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 n 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 us 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 n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (NY)

There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX XXXX has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX should have and could have withdrawn automatically.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

On XX/XX/22 I mailed a dispute letter to Jefferson Capital System ( Account # XXXX ) and my mail receipt indicated that they received the letter on XX/XX/22. After 30 days of waiting for Jefferson Capital System to validate the debt they reported to my personal credit report, it is now XX/XX/22 and they have failed to verify that the debt is mine.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (UT)

I signed up for a Usbank checking account as the result of a solicited offer of {$300.00} bonus if I met certain criteria within 60 days. I met all requirements but Usbank refuses to honor advertised promotion even though Usbank states they have no doubt that I received the offer. There excuse is that the code wasn't included in the application even though the Usbank website stated the promo code would automatically be entered as I proceeded through application web pages. I contacted Usbank but they refuse to honor their terms even though I said I could provide screenshot of the terms. Correspondence can be provided and also can be posted publicly to provide proof of my claim and Usbank 's refusal to honor their promotion.
Consumer complaint received 2019-06-12
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. (AL)

Since XX/XX/XXXX, I have sent letters requesting account verification on the XXXX/XXXX account reporting negatively on my Experian report. Each time, I have received a response noting that the account has been verified without any supporting documentation. On XX/XX/XXXX, I filed a formal complaint through CFPB with XXXX disputing the inaccuracies on this account. On XX/XX/XXXX, XXXX responded, " It is important to note that XXXX  did not report any negative tradelines regarding Ms. XXXX or her account to the credit bureaus. On XX/XX/XXXX, XXXX ceased any further collections and returned the account. XXXX hopes this resolves Ms. XXXX complaint. '' After the availability of Experian 's XX/XX/XXXX credit reporting, the account again appeared on my report. On XX/XX/XXXX, I called the original creditor to inquire about this XXXX account that is listed on my Experian credit report. I spoke to a customer service representative at XXXX on XX/XX/XXXX. This individual informed me that their company does not collect on the account in questioned, that perhaps, if it was, neither is it with a collection agency. In writing, XXXX XXXX have stated they do not have an application with MY signature on file. How did Experian verify this account without without any documentation? If Experian is unable to perform a reasonable investigation, or they unable to locate the necessary documents to investigate my dispute ; then they are required by the FCRA to remove the negative information from my credit report, which can also include complete removal of the account. 
Please note that XXXX nor XXXX  reports this inaccurate account on their reports for me.
Consumer complaint received 2019-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a loan with CAPITAL ONE and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE and XXXX with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I've recently transferred money to a friend using XXXX from the Bank Of America Online Banking app. It was a quite substantial amount, {$2500.00}. The transaction ended up with my money going a wrong account. There was apparently another BoA account associated with my friend 's phone number. I did some research online and there were people out there faced the same problem without satisfied solution ( https : XXXX ). Per their advertising that users only need mobile phone number or email to start transferring money, and the fact that there could be more than one bank account associated with one mobile phone number has proven that the mechanism is a big security flaw in their software. And also the fact that this issue has been ignored for so long is unacceptable.
Consumer complaint received 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I XXXX XXXX XXXX did not apply for a loan from XXXX they dont have my signature or premission on anything
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CA)

Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC XXXX has attempted to collect a credit card from 10 years past in the amount of {$1300.00}. The credit card debt was paid in full to the creditor. The creditor agreed to accept a " reduction '' in a debt in the amount of {$1300.00}. It appears XXXX XXXX has access to this information and is attempting to collect something not owed to them. Dynamic has suggested to " settle '' the {$1300.00} for {$270.00}. Company keeps calling and sending letters to collect a debt not owed.
Consumer complaint received 2023-04-12
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. (TX)

For months Transunion has been blatantly ignoring my request for an investigation into this supposed charge off from XXXX. I have sent numerous letters to the credit bureau and the creditor as well. Transunion has " verified this account '' but XXXX and XXXX has been unable to do so and deleted the negative account from my report with both bureaus. I requested verification of investigation on XXXX XXXX and have yet to get a response back from Transunion on what procedure they used and the other bureaus were not able to. I also reached out to the creditor to verify they confirmed this information and no one has sent me any other documentation.
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Illinois Collection Service, Inc. (IN)

OnXX/XX/XXXX I received a call from a person claiming to be from a collection agency asking me to verify my social and birthday. I asked the lady who she was and what company she was calling me on behalf of. She said ICS Collection Service and before she could tell me anything else I needed to give her my social and date of birth. I told her that I can not just give my social out because people are scamming. She very rudely told me that I owed money and she needed to verify it was me before she could tell me to whom. I hung up and called the number back to see what the call was about. I was told that a medical bill was sent to their office for non payment from the XXXX XXXX for XXXX in XXXX one month before the pandemic hit. I told the guy that I have insurance and that I had not received any calls or mail stating that I owed any money to the XXXX XXXX. At that time he verified the address that they had was indeed wrong. I asked him at that time to please send me this bill so that I can send it to my insurance company. On today 's date XXXX, not even 30 days later I receive notice from XXXX  that this collection agency has flagged my credit in collection. I have GOOD credit and pay all of my debt in full every month. I worked very hard through the pandemic to ensure that everyone gets paid. I was not given fair notice, time, or the opportunity to settle this debt before this collection company placed it on my credit.
Consumer complaint received 2022-09-19
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. (LA)

Monday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.