davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXXXX
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/XXXX. The latest complaint was # XXXX, XX/XX/XXXX, just 8 days ago. However, Experian refuses to send because we both know it doesnt exist and Experian will not own up. Experian continues and repeatedly replies This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Experian dodges liability.
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have made sure to make my payments on time for CREDIT ACCEPTANCE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report.
Consumer complaint received 2023-06-23
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. (TN)

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act 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 an or my account without my written instructions.
Consumer complaint received 2018-07-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I WENT IN PERSON TO RESOLVE THE PROBLEM ON CASE # XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018 PRODUCT Mortgage ISSUE Trouble during payment process I SPOKE TO XXXX XXXX XXXX ASSOCIATE XXXX AND ASK FOR A MEETING WITH CEO WHY CAPITAL ONE REFUSE TO SET UP A MEETING WITH THE DIVINE KING! I LIKE TO LOOK AT THE PERSON IN HIS EYES AND SEE IF WILL LIE TO THE DIVINE KING.. LIKE I TOLD XXXX. I'M NOT GOING ON THE WELFARE SYSTEM EVER AGAIN BECAUSE OF MY NET-WORTH OF {$39.00} ZILLION HOLDINGS WITH CAPITAL ONE XXXX XXXX AND XXXX XXXX  WHO HOLDS THE DIVINE ASSETS ON RECORD WITH OUR US TREASURY AND FEDERAL RESERVE BANK OUR GRANTOR. I WAS DENIED MY RIGHTS TO FILL OUT A POLICE REPORT WITH LOCAL PRIVATE DC XXXX POLICE DEPARTMENT WHY? DO THE BANKS OWN OUR JUDGES AND LAW ENFORCEMENT OFFICIALS? WHY WAS I REFUSE TO SCHEDULE A MEETING CONCERNS ON THE FUTURE OF AMERICA FINANCIAL SYSTEMS AND MY FATHER IS WATCHING EVERYTHING 3EYE VISION! SO WHY WAS I REFUSE A MEETING THE GIVEN {$3.00} DOLLARS FOR TRAIN MONEY WHEN THE TRAIN COST {$3.00} LUCKY THE HOMELESSNESS WILL FALL ON THE WHOLE CAPITAL ONE FRANCHISE FOR DEFRAUDING THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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 is 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 XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-08-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-02-24
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. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries : XXXX ORIGINAL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-08-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-02-24
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. (LA)

I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.
Consumer complaint received 2022-08-31
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. (TX)

I discovered on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}
Consumer complaint received 2022-08-31
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: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 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. 
XXXX
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I got behind 1.5 payments with Loancare. Not badly but behind with Loancare. On XX/XX/XXXX I paid {$4400.00} to get current on my loan. I have spoke with them and they told me that is what it would take to get my loan current. I then made another payment to my loan on XX/XX/XXXX. This would of been for XXXX. So XXXX went by and the holidays and a slow XXXX XXXX ( I am in XXXX XXXX ) and I didn't make the payment for XXXX. I then called on XX/XX/XXXX to let them know I have the 2 payments for XXXX and XXXX to get caught up. They then told me I was 7 payments behind and will need {$15000.00} to avoid foreclosure attorneys. I told them I didn't understand and their math is wrong. I sent them all the documents to prove that their math is wrong. They then just kept denying my evidence. would not work with me and are trying to get me to do another 30 year refinance loan where I will have to pay a much higher interest rate, add 5 years to my mortgage and take the {$15000.00} that They say I owe them and add it to the end where that then gets compiled with a ton of interest where I will have to pay off at the end of the loan. I have talked to an attorney and they told me this is common scam in the mortgage industry to get more interest from you. I don't want to take legal action if I don't have to. I truly feel they are just bullying me into paying them a bunch of unnecessary interest. ( it has been since XX/XX/XXXX I have been dealing with this and No one is getting back with me or willing to work with me as I have been calling 3 times a week for over a month )
Consumer complaint received 2022-08-31
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: CITIBANK, N.A. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Consumer complaint received 2022-08-31
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: WELLS FARGO & COMPANY (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : WELLS FARGO CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I believe they allowed a debit transaction to go through which made my account over. Then they charged me {$10.00} over draft plus a {$6.00} a day fee for several days. For over {$60.00} in fees when I was only over maybe {$20.00}. I think this is predatory and wrong. They are doing the same thing as XXXX XXXX. Please investigate.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I was incarcerated XX/XX/2021 and was not released until XX/XX/2021 I had {$15000.00} in savings acct and money in checking. While I was incarcerated someone got my debit card and was making unauthorized withdrawals. When I got out of jail my savings was - {$98.00} and I had {$4.00} in my checking. I tried straightening this out with the bank which is PNC but they didnt even want the paperwork showing I was in jail at time they just said they were valid charges. I never authorized anyone to use my debit card while I was in jail. I have been left broke they now closed my acct which is $ XXXX and no one will Return my call From debit card fraud department
Consumer complaint received 2024-02-14
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)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance {$0.00}
Consumer complaint received 2022-08-31
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. (CA)

I have a XXXX  credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Consumer complaint received 2022-08-31
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. (CA)

I have a XXXX  credit card with XXXXXXXX XXXX and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XXXX XXXX, 2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Consumer complaint received 2022-08-31
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. (GA)

Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.