davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A card was opened on XX/XX/23 with Capital One that is a fraudulent account reporting on my credit report. The issuer is claiming that I owe the debt, but this account is not valid. I have sent a validation of debt letter to the issuer, to prove they are the original creditor, but I have not received anything in return.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX{$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XXXX and XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!
Consumer complaint received 2019-10-16
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. (MD)

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. I have not received the results of the investigation.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed and/or I have not received the results of my request.

The letter also requested incorrect addresses be deleted, the requested revisions were not performed and/or I have not received the results. On further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested the Fraud Flag and/or personal statement be Removed from my credit report. I have not received confirmation this was completed and/or I have not been given a copy of my new credit report with the required changes. 
The letter requested my telephone numbers be added to my credit report. I have not received notice of or received a copy of my credit report with the requested changes. 
To date I have not received physical proof validating any requests of a physical proof of the accounts or inquires or requested changes. 
The only physical letter received from Equifax was dated XX/XX/2019 requesting that I mail them a copy of my drivers license and social security card for proof of identity and current address. This redundant request was ignored by me because Equifax was already provided a copy of both documents and is not needed by law to comply with my request. This was a blatant stall tactic with the intent to harm my reputation and personal credit and reputation.
Consumer complaint received 2019-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have contacted this company for validation of this debt to no avail. The dates that I've been in contact with them was XX/XX/XXXX - XX/XX/XXXX with no valid responses.
Consumer complaint received 2020-09-23
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. (CA)

I have filed disputes with Experian, XXXX and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On the XX/XX/2019 I opened up an checkings account with Citizens bank. On XX/XX/2019 I deposited my social security check in the amount of {$770.00} dollars I was told that there will be a 5-7s hold on my account due to it was a new account but they did make {$200.00} which I did spend available so {$570.00} dollars was on hold and due to be released on Monday XX/XX/2019. On Monday XX/XX/XXXX I recieved an email from Citizens bank fraud department questioning suspicious activity thats when I learned that my debit card was in fact missing from my possession I then called Citizens bank claims department after having my card deactivated and requesting a new one. I put in a claim for the tranctions that I did not use or authorized it was a total of 18 atm and pos charges made with my debit card and started the claims process. Friday XX/XX/2019 I recieved a call from a supervisior name XXXX who stated to me that they closed my claim and refuse to reopen my claims I asked why she then stated that I never called to report my card lost or stolen I that time I explained that I was not aware but soon as I was made aware I took the proper and nesseccary steps of cancelling my debit card and reported to Citizens bank. The supervisor was very rude and mean when she called my phone. i have been back and forth with branch supervisors rep Representatives Etc and their customer service was very unprofessional very poor very distasteful very unsatisfying. As a result in this whole situation I lost my housing for unpaid rent for the month of XX/XX/XXXX me and my XXXX children no longer have any place to stay I made the branch supervisor aware of my situation I sent her an email I'm a termination letter of my lease I have been I've made police reports I have been doing everything that I could possibly do but since this situation has been happening it has been nothing but turmoil and heartache for me and my babies because I have to pack up XXXX small children XXXX in which is an XXXX  who just had XXXX XXXX a week and a half ago and now I have to tow her around the city of XXXX trying to find somewhere for us to stay I deposited my money into Citizens Bank and I didn't receive my money is back out of {$700.00} I only was able to spend XXXX {$570.00} walked away from me
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

i refinanced my house with XXXX XXXX. since then XXXX XXXX  transferred my loan to PHH Mortgage. Since the loan has been transferred i have paid the loan online via their website for the first 2 months ( 60 days ) went to pay on XXXX and i was locked out of the online payment section. website stated i need to contact a customer service rep. i did this and a " Note Amendment '' was required to sign from myself in order to continue to pay online. On XXXX i finally get the " Note Amendment '' and now there is a {$19.00} charger per payment to use their website to make a payment.
Consumer complaint received 2019-07-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bank with Bank of America. I deposited a check through the mobile app on XX/XX/XXXX.19 ( XXXX XXXX ), in which an immediate 7 day hold was placed. The bank was closed when I made this deposit due to the holiday. I called them on XXXX19 to inquire why there was a hold, where they told me to call back on XX/XX/XXXX.19 when the check had posted and they were able to look at the picture. When I spoke with them the morning of XX/XX/XXXX.19 they informed me that the bank the check was from is holding the funds and making them unavailable for 7 days. At this point I called the bank the check was issued from and they said that the funds had already been released and sent from the account the check was written from. I called Bank of America back and they now are telling me they are holding it for fraudulent activity and they are allowed to hold the funds for 10 days for that reason. So I have received 2 different answers and they wont inform me what fraudulent activity is causing the hold.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing from my credit report.
Consumer complaint received 2019-10-16
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)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXXXXXX wrong status XXXX XXXX XXXX  XXXX XXXX XXXXXXXX wrong status XXXX XXXX XXXX/XXXX XXXXXXXX wrong status XXXX/XXXX XXXX XXXXXXXX wrong status INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX  XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX/XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized PUBLIC FILINGS BANKRUPTCY CHAP XXXX-DISCHARGED XXXX inaccurate
Consumer complaint received 2022-10-11
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. (PA)

Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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 ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. 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. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-10-11
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. (MO)

I previously ordered an updated copy of my Credit report and noticed that the Credit Bureaus still indicate the information reported by the erroneous accounts. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}, must be corrected to reflect accurate information on my Credit File.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This letter is in response to your CFPB response with closed complaints requiring authorization ; it is not clear that I have attached my state ID and utility bill to certify that it is in fact me submitting the disputes, and you guys closing it without proceeding with your investigation as per my request to reinvestigate. I wrote to inform you that my credit report contains erroneous and inaccurate accounts that are negatively impacting my credit score.
Consumer complaint received 2022-12-15
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)

I XXXX XXXX A federally protected consumer have been a victim of Identity theft. I have contacted Transunion 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WV)

Someone used the card. I complain about it. No signature on the card. 

Got harassed by discover financial associates. Asking when my stimulus check is coming and when am i going to pay for it Even on my duty time they called me harassing. Verbally abusing. 
They must have the records of harassing and abusing people. Discover financial doesnt care about customer service or identify theft. 

There are charges that Iam not aware of it
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My name is incorrect on both Experian, and XXXX. My correct name is XXXX XXXX XXXX. 
My address on both Experian and XXXX is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Any previous addresses need to be deleted. 

Lastly I am XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, and I am writing in regards to having these items mentioned on the list immediately. I am a victim of identity theft and I did not make charges mentioned with the list.
Consumer complaint received 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting act 11 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my accounts, which should have alerted me before my credit was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit regarding this incident. In addition I have attached a PDF document reflecting all items that were found to be unauthorized.
Consumer complaint received 2022-02-11
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. (MI)

They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.
Consumer complaint received 2022-02-11
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. (MI)

They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.