davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (SC)

I am writing of about this XXXX XXXX account that was previously disputed and somehow verified as accurate both by XXXX and Transunion. It is clear that no real investigation was done as the information is still incorrect and there are inconsistencies with the info showing on both credit reports which should not be the case if both bureaus actually reasonably investigated this account. 
1. Both bureaus are reporting different " Date Opened '' dates. 
2. Transunion reports a closed date but XXXX does not. 
3. Both Bureaus are reporting different " date of last activity '' which should not be the case had this been reasonably investigated after my initial dispute. 
4. The account status is listed as " closed '' on a " charge off '' but yet lists a " past due amount '' of {$420.00} which is in violation of the FCRA and negatively impacts my DTI when any charge off account should be listed as " XXXX ''.
Consumer complaint received 2019-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (IL)

I purchased my current home in 2014. My bank sold the servicing of my mortgage to Suntrust Bank. Up until approximately 6 months ago, we've had no issues with Suntrust. Then, approximately 6 months ago, Suntrust " informed '' us that our escrow amount would be going up based on their internal assessment. They are requesting an additional {$200.00} per month on top of my existing principle, tax and insurance payment. I've discussed this increase with my insurance company and our local assessor 's office and there have been no changes that warrant {$200.00} per month. In fact, in years past we've received refunds for overages in escrow account. I've called Suntrust of several occasions attempting to resolve this issue, but have been told that the increase was " calculated '' by their escrow team and that there was nothing anyone could do about it.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Around XX/XX/2018, I applied for a XXXX XXXX XXXX Credit card at the XXXX XXXX XXXX 's location. The card was approved. 

About a week later I received a letter from XXXX 's communicating congratulations for opening a XXXX XXXX XXXX XXXX. ( See attached letter ). 

However, I was stunned to learn that XXXX 's also applied for me to get a XXXX XXXX XXXX XXXX XXXX without my approval. 

This practice should not be permitted and I believe it's is not legal. As a result, my credit is damaged for being declined for a credit card I did not apply for.
Consumer complaint received 2022-04-06
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: DISCOVER BANK (VA)

I checked my credit report on XX/XX/22 and it says I have two accounts which is wrong sense I have only one card. Then it also says that there is a revolving credit which is not right with a balance of {$35.00} and a credit limit of {$1000.00}. I have never seen or recognized this at all. I think something is not right here. I only have one credit card and two debit cards
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

CBA claimed I owed them {$180.00} reported to my Credit file, no notice was sent to me regarding this debt. I found out when I checked my credit file and immediately sent them a certified letter on XX/XX/2018 requesting for information, my letter was delivered on XX/XX/2018 at XXXX XXXX, CBA re-reported the debt to my credit file on XX/XX/2018, however they have refused to communicate with me nor send me any bill or information regarding this debt. I called them several today XX/XX/2018 my calls forwarded to voicemail every time. 

I do not owe any money. 

A copy of my dispute to CBA is attached.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

The balance in my XXXX  account is XXXX, there is a pending authorization on hold from XXXX for XXXX, which was canceled and will fall off, a total of XXXX. I've attempted to add a bank account to withdraw funds, the app will not allow me to add an account, numerous calls were made to XXXX  support, reps do not know why account will not allow it. I've requested account closed prior and again here, I also need a check sent to me for remaining funds, XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-13
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. (IL)

I have written Experian 4 times about an account that is not verified to be my account. I have asked them several times to show me the proof they have that the debt belongs to me. If it is my debt and you have verification then you should be able to send me that proof or else remove the item as suggested in the FCRA. they have yet to remove the item nor have they sent me proof that the debt in question belongs to me. 

This is all they sent The dispute for the account with XXXX XXXX XXXX, XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX
Consumer complaint received 2021-04-14
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXredit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I have these fraudulent inquries on my profile. My identity has been stolen. They have been removed from the one of the bureaus, but not all. These fraudulent inquiries are hurting my credit. Please remove.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Flagstar Bank, National Association (OH)

I closed my account with XXXX XXXX ( New York Community Bank ) because they charged excessive multiple NSF overdraft and other fees. They claim I still owe them but I closed the account after XXXX out the balance. They continually are harassing me over XXXX that they claim I owe. They are even reaching out to family members who have nothing to do with this. Please stop their unending harassment by XXXX XXXX ( sp? ) who is calling from XXXX
Consumer complaint received 2018-07-10
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 (MN)

I have lodged disputes with XXXX and Capital One with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The Bank of America is the intermediary bank for my XXXX transfer. They have held on to my funds and not released it without any justification. Here are my details : Transfer Amount {$7000.00} USD Transfer Date : XX/XX/XXXX Days Passed since Transfer initiated : 30 Calendar Days My Bank that sent the funds has reached out several times but the Bank of America has been extremely slow and vague with their responses. 

The amount is still being held by Bank of America and without proper justification. 

They should release the funds ASAP to the beneficiary bank.
Consumer complaint received 2023-03-27
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I have a car loan with XXXX XXXX that is serviced by Westlake Financial. I have made my car payment for XX/XX/2022, XX/XX/2022, and I tendered my payment for XX/XX/2022 on XX/XX/XXXX and received a payment confirmation number ( XXXX ) - which I have a picture of- which I just checked my bank account and I do not see this was actually taken from my checking - despite receiving confirmation from Westlake it was received. This morning, when I am current on all payments, or I thought I was, they came at XXXX am and repossessed my car. It is apparent now, despite tendering my XX/XX/2022 payment, they didnt take it - despite giving me a confirmation number they did ( again, I have a picture of this confirmation ). So they deliberately didnt take my XX/XX/2022 payment so that they could repossess my vehicle. I will be getting my car back today, but I want all extra fees, and costs of hassle reimbursed from Westlake financial for their fraudulent business practices and wrongful repossession of my vehicle.
Consumer complaint received 2022-04-06
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-03-27
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The XXXX XXXX XXXX is incorrect. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-14
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I applied for the XXXX XXXX XXXX American Express card. 

Ref Number : XXXX I filled my application correctly with very high income vs debt. I got a bankruptcy XXXX on XXXX  at around XXXX. This bankruptcy is the only negative hit on my credit. All my payments have always been on time. I even have a score that ranges from XXXX. I called american express to see if my application could be manually reviewed since I have never hold and account with American express and i have such a high income and almost cero debt with good credit. They confirm my application was solely denied due to a bankruptcy and nothing could be done to review this or have a decision reverted. This is direct discrimination on behalf of American Express to me as a business.
Consumer complaint received 2022-07-27
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. (OH)

It appears that my credit 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX, I spoke with a XXXX about providing me a goodwill adjustment on my late payment on XX/XX/XXXX for my humanitarian hardship. I was in the hospital for ongoing medical treatment and was late billing my bill. This is the only time I have been late paying since signing up for the XXXX XXXX XXXX. The representative stated that he updated XX/XX/XXXX late payment to good standing and XXXX would report the good standing to the 3 credit bureaus. The late payment is still showing up on my credit reports and I am asking that it be removed as promised.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I keep getting calls from this company - Portfolio Recovery Associatess- calling for my DECEASED EX-MOTHER-IN-LAW - XXXX XXXX XXXX 
She passed away over FIVE YEARS AGO. HER DEBT HAS NOTHING TO DO WITH ME. 
I DIVORCED HUSBAND 10 years ago. 
THEY ARE ALSO CALLING MY XXXX year old daughter. Which is upsetting her every time they call about her grandmother, who she misses dearly!!!! What is wrong with these people?!!! 
Do I need to hire an attorney?!
Consumer complaint received 2024-05-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (CA)

Talked to two employees at XXXX XXXX XXXX. First called my employer number ( wasnt given previous permission to contact ) and repeatedly shamed me for not making a payment since XXXX and experiencing XXXX 

Second call was made to report the first rep And the XXXX used the exact same method. Tried to work out a way to make payment but he said it wouldnt work and I need to pay right now with credit or debit card. Both calls were recorded and will be seeking recordings for verification of harassment as this matter is escalated.
Consumer complaint received 2018-11-27
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)

Someone applied for credit using my identity to buy a mattress which was delivered to a house that is not mine. After finding this on my credit report, I worked with XXXX XXXX fraud department ( XXXX XXXX purchased the debt ) and they concluded that I did not authorize this purchase. I have attached a copy of a letter from XXXX XXXX indicating that these charges were not authorized. 

As a result of their investigation, XXXX XXXX updated the credit agencies. These false accounts were removed from XXXX and XXXX ; however, they were not removed from my Experian Credit Report. 

I disputed these charges through Experians online dispute system. I was not allowed to upload an attachment to provide evidence. My dispute was denied ; however, I was not provided any evidence or rationale. 

I submitted a complaint to the Consumers Financial Protection Bureau ( Complaint Number XXXX ). XXXX XXXX once again confirmed that the debt was not mine ( see attachment ) and they re-sent letters to all 3 credit companies. 

Experian still has this fraudulent account on my report and it is preventing me from refinancing my student loan debt.