davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (CA)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXX. 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
XXXX - XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Beginning of XX/XX/XXXX the collection agency ARS sent me information on a debt that I have repeatedly stated I do not owe. They are stating that they verified services were rendered but that did not confirm that these services were also actually covered through the finance committee of the hospital after determination my needing assistance. I have provided the confirmation of this through the letter that the Florida Hospital sent me. This letter shows the patient responsibility which is me as {$0.00} for services rendered on the date XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

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 An 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 2019-07-07
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. (NY)

i was checking my score for accuracy and came upon accounts that are fraudulent that i did not authorize on my credit report i was advised to fill out this form one of the steps of action on my credit report
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion File # XXXX dated XX/XX/2019 has XXXX XXXX showing and I OPT OUT on promotion and Transunion should not be letting XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX IL XXXX pulling or doing account review I did not request or inquire to there products. Please stop with the scams of selling information after I opt out.I have also filed a XXXX Attorney complaint on Transunion as well
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent in prior disputes with XXXX, XXXX, and Equifax. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KEYCORP (UT)

This is a phishing scam sent through the actual mail ( not email ). I already reached out to KeyBank and confirmed its fraudulent nature. 

Letter stated your account balance has been accelerated under the terms of your contract. As a result, your full balance of {$50.00} is now due.. KeyBank may have provided information to credit bureaus about your insolvency, delinquency, late payment, or default on your account to include in your credit report. 

It then refers me to the following address be, ow to send payment. They also said I could call XXXX. 
KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I called key bank at a number on their website, not the number above, and they show no such loan or debt and confirmed it was phishing. Thought you should know.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

We applied through XXXX XXXX for a Capital One credit card. It said the odds of approval were excellent. We already pulled our credit from all XXXX credit bureaus and our score met the minimum needed for this card. We applied and Capital One declined us due to " too many inquires. '' We called their reconsideration line and was declined a XXXX time. They pulled our credit XXXX and decline us for too many inquiries.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (SC)

They said that someone was trying to open a Chase Bank account using my personal information and they were calling to verify and I told them that I have no dealings with Chase, they recommended you to me for fraud. I haven't had any letters come through the mail about this situation, glad Chase called..
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo advertises their clear checking free of fees if your over 24 years of ages and meet the minimum deposit each month. Today I noticed Im being charged the fee anyway. When I called, they refused to refund the money claiming none of their services is fee free. In their pdf of rules it does not say anything about being charged the XXXX dollars for any reason other than if your are not meeting the requirements. When I read them what their website says. They still said Im supposed to be charged the XXXX dollars.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have contacted Equifax numerous of times stating that I would like for them to remove a fraud alert. Every time i call i have to go through the same thing which is being transferred from person to person even being transferred to supervisor and here it is XX/XX/XXXX and they have yet to remove it. They have gave me several different confirmation numbers stating that they removed it but it is still on there because Ive been denied credit twice because of their fraud alert that was supposed to be removed three months ago, which has caused me to get unnecessary hard inquiries on my report. And then it comes to inquiries i have sent the numerous letters stating that i was a victim of fraud and that they needed to remove all those fraudulent inquiries that is showing up on my report. I sent those same documents to XXXX  and XXXX and they had no problem fixing my issues. Ive sent all the proper documentation that they need but every time i speak to someone they insist on me sending them the documentation over and over, which is causing me to spend unnecessary money because i send all my letters certified. Also they are reporting inaccurate information on my credit including accounts that they can not verify which is a violation of the FCRA. The following Accounts is XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  and another unknown account. I DO NOT WANT THEM TO REINVESTIGATE THESE ACCOUNTS BECAUSE I HAVE ALREADY DISPUTED THESE ACCOUNTS AND THEY KEEP SAYING THEY ARE VERIFIED BUT HAVE NOT SHOWN ME ANY DOCUMENTATION THAT THEY HAVE TO PROVE THESE ACCOUNTS ARE MINE. THEIR CREDIT REPORT IS SO DIFFERENT FROM MY OTHER TWO BECAUSE THEY ARE REPORTING SO MUCH INACCURATE INFORMATION. I demand this be corrected immediately.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CT)

Recently I learned that Citi is stripping almost all of the benefits from their credit cards, such as car rental insurance, return protection and price rewind. They promised these benefits when I signed up for the card and they should not be able to be removed in such an arbitrary and harmful manner. Citi is showing itself to be a poor corporate citizen who is unconcerned with the welfare and wellbeing of its customers.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-03-21
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. (IL)

Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 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 account without my written instructions.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

contacted capital one about the membership fee I was charged and was told that they couldn't do anything to change it or waive it and they changed people terms and conditions all the time as well as fees without your permission and they say it is nothing you can do and that is not fair to the comsumer I asked them to see what they can do to change my terms or conditions and all I got was the run around if it wasn't for trying to get my credit score up i would've closed the account right there and is thinking about as I write this because this company has done nothing but jerked me around and at some point something has to give if I have to close the account I am at the point where I think it may be better off than to keep going through the crap with them please help me with this matter or provide me with information to get out from under them without hurting my credit score
Consumer complaint received 2019-09-19
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. (OH)

I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX XXXX my credit report. I am never lived there.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (FL)

I have an online acct with bbva and im locked out of my acct. Someone must have hacked my acct because the recovery phone number was changed. Ive called at least 7 time and spent hours trying to get my acct back that has all my money. I told them the debit card was gone. They will not even block my acct or turn the card off. I need help. They say i have to drive to central fl where there branch is to prove im me. I can answer any? Or verify whatever they want. I need help please.
Consumer complaint received 2019-07-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (AZ)

Waterstones Mortgage used 2 different closing documents and forged my signature. Furthermore, they included a fraudulent termite report and as a way to try and cover their tracks, they listed it as a concession for the inspection fee. This is just a small portion of what they did and it has seriously impacted me. The dollar amount is high and they stole money by alleging the funds were for property taxes, HOA fees, and disclosures that were never given to me. The advanced fees collected on my loan were supposed to pay for escrowed items. They collected my money but never paid taxes, HOA fees, or insurance premiums.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CT)

Back in XX/XX/XXXX, I purchased a new mattress from Mattress Firm. Against my better judgement, I decided to open a credit card financed by Synchrony to pay for it instead of one of my other cards since there was a promotion of no interest being charged. The credit line was for {$1200.00}. I paid every month, electronically and on time. Back in XXXX  of this year ( XXXX ) I was notified that they decreased my limit ( and left me with {$30.00} credit ) because they pulled my credit report and saw that the score was low ... My score is higher now than it was last year when I got the card!! I contacted them and got the same canned response. My credit reports are fine, and like I said the score is higher. I ended up paying the whole card in full. I heard before opening the card some consumers complained, but decided to take a chance anyways with the promotion being interest free. All I want is to close the account, but wanted to file a complaint first in case the account needed to be open. I want them to remove themselves from my credit report when I close the account. I'll never do business with these crooks again.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Merchants Automotive Group LLC (NH)

XXXX XXXX XXXX and XXXX XXXX XXXX have both sent me to collection agencies after I explained to them both I do not have the cards and are not using them. They need to do an investigation and look into my accounts that they have been taken without my knowledge. 

XXXX XXXX XXXX has reported to my credit, I willingly gave back my car after only 7 months of ownership and it stopped working and the warranty was not lived up to on there side. I could not afford to pay XXXX to fix a car thaty warranty covered.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

Lexis Nexis is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Consumer complaint received 2019-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I XXXX XXXX XXXX am writing a complaint on SPS because they called my homeowener insurance company XXXX XXXX on XXXX XXXX. SPS told my insurance company to send me a threatening letter about charging me doubling insurance because I refuse to do a short sale. SPS also told them to cancel my homeowners insurance policy because they wanted all the furniture and personal items in my house to be lost/stolen and would not replaced. Finally they told XXXX from XXXX XXXX/Investor to come by house to tell me to get out. Please verify with XXXX @ XXXX I have called the police on XXXX. If SPS sends XXXX and any other mortgage company I will send the authorities to SPS Inc. in XXXX XXXX XXXX UT. I want the foreclosure sale date stopped or I will file a lawsuit.