davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (PA)

Over a period of 2 days in XXXX ( XXXX ), I had {$4100.00} debited from my account without my authorization. I contacted my financial institution, Robinhood, on the XXXX when I noticed all funds from the cash management ( debit portion of account ) had been depleted. 

All transactions have been to the same vendor and only minutes apart. The amount debited from the account range from a few dollars to a little more than {$40.00}. This was consistently done over the two days time. 

I have tried, in good faith, to get a hold of Robinhood and get the issue rectified. It is now early XXXX and I have heard very little from them, if anything. I have sent several emails, have tried multiple times to call on the phone and have spent multiple hours on the phone with little success. I can not get a hold of anyone that can let me know of the status of my claim.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section XXXX of US CODE 15 USC XXXX et seqXXXX, it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My house was for sale and the sale fell through 2 days prior. I had already moved and was 2 months behind. I paid my mortgage payment at 4 months past due and Wells Fargo returned it and didn't apply it to my loan. I called prior several times to work with agents on a repayment plan. When the payment was returned I was told it wasn't in foreclosure and began the paperwork for home retention. I also submitted two payments. Both were held and after I returned the paperwork for home retention the bank started the foreclosure process. I had decided to keep my home and move back in but with all of the difficulty with the bank I relisted it and got an offer on my home to close in a month. I've called Wells Fargo several times and advised them of the closing date. Each time they say a new agent is assigned. That person of the day is usually not available so I speak with whoever is. I told them for the 4th time the house is sold. They say they weren't aware. I'm also trying to get a payoff quote and they will not send it. I filed for mediation and have until the end of XX/XX/XXXX to complete that. Wells Fargo is continuing to charge me fees, hold my payments without applying them and refusing to generate a payoff quote. My home is supposed to close in 6 days! I will after this close all of my accounts with them.
Consumer complaint received 2022-03-09
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. (MO)

n accordance with the Fair Credit Reporting act XXXXt Account # XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX insisted on placing lender flood insurance at a premium in excess of {$7000.00} ( I have my own private flood insurance policy with them named as mortgagee ) on the excuse that I was not able to purchase an amount equivalent to the mortgage balance. ( In reality, it clearly states on the policy that the coverage doesn't apply to 2nd floor property which mine is! ) So in XXXX I mailed them {$120000.00} to reduce the principal to below my private flood coverage. They did not cancel their flood insurance and continued to charge my escrow. I decided to pay off the mortgage and on XX/XX/XXXX, after calling for a payoff amount, I send a check for {$110000.00} and a letter of my intent to pay off the mortgage. In XXXX I spent over an hour on the phone trying to find out why it was not applied properly and to be sure that they cancel the unnecessary flood insurance only to be transferred numerous times and then be disconnected - never got a call back. It appears by their statements that they have deposited my payoff check and are continuing to charge me interest and taking the monthly payment out of that money rather than satisfying the loan. To add insult to injury, I received an email saying I had not paid the payment for 2 months! I pray that they have not reported lates to the credit bureaus. And then, I received a notice from my fire insurance company that they had failed to pay the renewal and the coverage had lapsed on XX/XX/XXXX! On XX/XX/XXXX I wrote to them on their website and I sent an email demanding that they resolve the problem, cancel the excess flood ins back to the day that they posted the first check, send me a satisfaction of mortgage document and refund all that they have overcharged. To date I have not received so much as a phone call or email.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act convergent accounts # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXXi # XXXX XXXX bank XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

n 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 a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-09
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. (MO)

n 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 a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I don't know how XXXX XXXX can live with its self the way you handle your business. For 17 months this bank has charged me finance charge of {$38.00} starting XX/XX/18 plus a late fee starting XX/XX/18 which is {$78.00} per month for now 10 months which is currently {$780.00} dollars of the balance {$1800.00}. I have contacted this XXXX   XXXX  to discuss the following ; Please remove these charges which I feel are not being considerate to the true balance {$1000.00}. which I can be prepared to pay truly. I discussed this in great detail online and over the phone and have been treated POORLY per my request to remove these absurd charges and be considerate to my plea. I am going to bring this information to The XXXX XXXX XXXX, The Attorney General and the local paper in XXXX XXXX Florida in the hopes some other individual will learn not to become prey to the likes of XXXX. Again, I have asked this absurd bank to remove these charges and work with me on the balance owed and the only offer was one late payment will be removed and the terms and considerations are mine.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

A representative, XXXX XXXX from a litigation firm called XXXX XXXX XXXX contacted me this afternoon, Wednesday XX/XX/XXXX in an attempt to collect a debt from an overdrawn US Bank account that was setup in my name in XXXX and later closed in XXXX. Ms. XXXX had the last four digits to my social and other details regarding the account in question. 

The debt they were attempting to reconcile was paid a number of years ago however they were still claiming I owed over {$2000.00}. Additionally, they would allow me to settle the amount for {$1100.00} if I paid with a credit card now as the case was time sensitive. 

The phone number is XXXX and their fax number is XXXX attn XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX U.S.C XXXX 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. 

According to XXXX CFR Part XXXX ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX XXXX XXXX reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Original Creditor : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have been contacted by what appears to be XXXX XXXX XXXX ( XXXX ). I have received calls several times a day, for a couple of weeks now, from several different numbers. I do not know why they are calling, and they do not leave a message. 

Numbers used : XXXX XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-09
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions First Premier Bank
Consumer complaint received 2022-03-09
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)

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 a account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2019-03-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: National Credit Systems,Inc. (TX)

I have contacted National Credit Systems Inc, on behalf of XXXX XXXX XXXX, last year I advised them there is a litigation opened to correct this matter, the Collector advised me there were investigating, and they will be contacting me, i have contacted the actual owner company for this apartments, and they stated they will be correcting this problem asap, that the last XXXX was fired cause she unethically has thread on me on ruining my credit. Due to a a personal matter, she was having an affair with my husband.Since then they change management company and my credit is ruined. please help.
Consumer complaint received 2018-08-15
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. (NY)

I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both XXXX and Equifax There are three new credit inquiries on my credit rating accounts with XXXX and Equifax- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX  XXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-01-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX On XX/XX/XXXX I placed an Internet order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then placed an order for XXXX XXXX  lenses prescribed by my eye doctor at XXXX XXXX. My eye doctors clinic did not have the frames I liked so I placed my order with XXXX XXXX   XXXX  online. I sent a copy of my prescription as requested by XXXXXXXX XXXX XXXX and they processed my order. 

The frames were charged on my card for {$100.00} separately on XX/XX/XXXX. I was then charged 2 split charges for the lenses On XX/XX/XXXX {$94.00} and on XX/XX/XXXX {$94.00}. The glasses were shipped XX/XX/XXXX and received on XX/XX/XXXX. When I unpackaged the glasses and put them on they were blurry when I looked in the distance but the reading part was ok. When I dipped my head down I could see in the distance. I contacted XXXX XXXX XXXX and spoke to XXXX and he instructed me to wear the glasses for 1-2 weeks to get used to the prescription. My eye Doctor gave me the same instructions. After 1 weeks I could not handle the dizziness or headaches. I was in my local XXXX on XX/XX/XXXX and they were kind enough to place the glasses in their machine which measures the progression of the lenses. The technician stated these were the worst lenses they had ever seen. XXXX and I at XXXX called XXXX XXXX XXXX and spoke with XXXX explaining the situation. He stated return the glasses unworn for a full inspection and they would issue a refund. XXXX and I both stated that is impossible the glasses have been worn since XXXX directed me to wear them for 1-2 weeks in order to get used to the progressive prescription. I then had XXXX make me a new set of lenses since we realized they were not going to help me so I was charged {$180.00} at XXXX to order new lenses. 

I then went round and round on the phone and many emails on XX/XX/XXXX & XXXX, XXXX which I have attached all receipts, delivery confirmation, prescription, and the new receipt from XXXX with pictures of how bad the lenses were. XXXX XXXX XXXX never went over a return policy with me and it was apparent they would take them back but then I would no longer have my frames and lenses and have been charged {$290.00}. They had already screwed up the lenses so bad I was not willing to lose my money and glasses to these crooks. I told them I would send the lenses back so they could inspect them and they said no so I contacted Bank of America for assistance.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CA)

XXXX still showing 2 collections on the credit report and those were charged off about 2 years ago, 1 is NCB Management Service {$4000.00} and the 2nd is not  showing the name or any other information.