davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 
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 DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTED/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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

I have been disputing the late payments showing on my account for National Credit System which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

Mortgage company is ServiSolutions ( Alabama Housing Finance Authority ). Previous homeowner 's insurance company is XXXX XXXX. On XX/XX/2021, I called to let XXXX know that I had canceled my homeowner 's insurance policy with XXXX XXXX. I then proceeded to provide XXXX with all of the relevant documentation for them to pay my new homeowner 's insurance policy with a different company. After nearly a month passed, I did not see where my new insurance company had been paid for my new policy. I called XXXX and they told me that on XX/XX/2021, the finance team processed a payment of {$620.00} to XXXX. I was told that their finance system did not show the flag on my account that my XXXX policy was canceled, so they paid the invoice to XXXX instead of the new company. After calling XXXX several times in late XXXX, I then found out from XXXX during a XX/XX/XXXX phone call that they paid XXXX {$620.00} and they paid my new insurance as well for the {$620.00} ( that was the amount of the new policy ). So I am now out of {$620.00} in my escrow because of a duplicate payment for homeowner 's insurance. XXXX told me they would call back in 48 hours with more information on how to resolve this. XXXX  never called back. I called XXXX XXXX the week of XX/XX/XXXX and they told me that they never received a check, nor cashed it, nor applied anything to my account for the canceled policy. I called ServiSolutions on XX/XX/2021 as a follow-up to my XX/XX/XXXX call and was told that they had to check with the bank to see if the check to XXXX cleared. Today, XX/XX/2021, ServiSolutions tells me that they issued a bulk check to XXXX XXXX ( the check was cashed ) for several homeowner 's insurance policies and that XXXX may have applied my {$620.00} to another homeowner 's account!! XXXX then told the ServiSolutions representative that they would look into this - so the ServiSolutions rep provided documentation of the bulk check that was sent and cashed some time ago ( the ServiSolutions rep said the check was cashed a while ago ). I called ServiSolutions back on XX/XX/XXXX for written documentation ( emails ) about what was discussed between them and XXXX but apparently the ServiSolutions rep was now out of the office. I then called XXXX XXXX on XX/XX/XXXX and the rude representative tells me that there are no notes on my account that the mortgage lender called, or that a payment was applied, or that a check was cashed for insurance policies and possibly applied to the wrong account. So apparently XXXX knows nothing. I called ServiSolutions back on XX/XX/XXXX have asked about making a formal complaint at ServiSolutions but was told that I should give them until tomorrow morning before they would let me speak with a manager to file a complaint. XXXX has been telling me since XXXX that they would resolve all of this, and it is still unresolved. I have been under a great deal of stress because of this problem and have had to visit the doctor numerous times and/or take off work.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I filed an Identity Theft report with the FTC and the IRS affidavit and provided the documents to the card company detailing the unauthorized transactions and provided the ftc form required to request that negative information not be released or reported to credit agencies. The subscriber has not cooperated with my request and has consistently changed the comments, statuses, or other information to circumvent my request to the point where they are deliberately trying to discredit me. I have requested all the relevant information from the subscriber and what they have reported to credit bureaus but still havent received any information. Im including my documents again as a final request before Im forced to pursue any other legal issues.
Consumer complaint received 2022-01-28
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. (AZ)

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In 2011 my wife and I took out a XXXX dollar HELOC loan to address some issues with the house we presently live in. The credit line was available for five years ; after which, it turns into an installment equity backed loan. 

That has not happened. All 3 credit bureaus are still reporting the loan as a line of credit with available credit and balance. This is not correct and my credit score is being, adversely, affected. My total revolving credit line is incorrect, as well as, my total revolving balance. 

The total credit limit listed is : XXXX Actual : XXXX Current Used : XXXX Actual : XXXX I was informed by the lending entity that this is just the way it is. This would suggest that it's fine for lenders to provide incorrect information that affects future financing endeavors.
Consumer complaint received 2024-03-08
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 Any 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 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

ON XX/XX/XXXX I MADE MY FULL PAYMENT OF {$1500.00} AS I do every single month for the past 10yrs. I pay off my entire balance with my social security disability I am an XXXX  wounded Veteran. I use this card to pay all my monthly Bills. Then out of No Where the money was posted on XXXX of XXXX Giving me Zero Balance and They shut my card off until XX/XX/XXXX giving me No reason why they are doing that. This has created Huge Financial Hardship for me making me late on all my other accounts I pay monthly Not including all penalties & late fees
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (AZ)

Checking account opened XX/XX/XXXX. I am a previous customer of BMO Harris ( last account closed XX/XX/XXXX ) and have existing login credentials. I attempted to log into my new account on XX/XX/XXXX using my existing login credentials and kept getting a message that my credentials weren't matching what they had on file. I called and spoke with CSR XXXX on XX/XX/XXXX. XXXX advised that I couldn't access my online account because my initial deposit hadn't yet hit the account, and to give it a couple days ; once my account was funded, I'd be able to access it. When I was still unable to access it on XX/XX/XXXX, I called again and spoke with CSR XXXX on XX/XX/XXXX. He looked into it and couldn't determine what the problem was ; he said he would open a ticket with their tech department and he would call me back in 2-3 business days to let me know the status. I never heard from him again. On XX/XX/XXXX, I called again, this time requesting to speak to a manager. I was transferred to, and spoke with, XXXX XXXX ( her phone number is XXXX ). She also could not determine what the problem was in my accessing the account ; she said she would submit an expedited request with the tech team and she assured me that she would call me back by the end of that day. I never heard from her again. I left voice mail messages for XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a return call. As of this morning, I still can not access my online account, although two deposits have been made ( one of which is a payroll direct deposit ).
Consumer complaint received 2022-01-28
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. (MS)

Both XXXX and Transunion are reporting a bankruptcy account. I have disputed this record several times ; however, it keeps coming back verified. I want to know THE METHOD OF VERIFICATION. Transunion and XXXX are in clear violation of reporting inaccurate information on my consumer file that is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave Transunion or XXXX anything in writing that would have given them permission to report this record. Saying I did such a thing when it is false is against the law identity theft and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Consumer complaint received 2021-05-18
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)

An account was opened in my Name with XXXX. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as XXXX XXXX/XXXX  along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where swastickas were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, NYSID, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and NYSID was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
Consumer complaint received 2022-09-28
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. (GA)

This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Issues with the Fruad Deparment Every inquiry That is not attached to an account is not fine by me, was never approved by me and I did NOT sign for it.
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (TX)

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ).

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

Contacted Midland Funding back in XX/XX/2016 as I am unaware of this creditor the debt collection is for {$1000.00}. They did not have any information regarding who the creditor is, so I am not sure if this is a duplicate.
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Debt was owed but taken care of and dropped off of my credit report. 2 months later it reappears by XXXX XXXX XXXX. Tried to contact but no answer. Has terrible reviews of malpractice and fraudulent activity.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (MI)

A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity. 
And Have send it Multiple disputes about the Situation And not heard a response
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I deposited a cashier 's check of {$3300.00} into my new account with Capital One 's XXXX checking accounts on XX/XX/XXXX. My funds have not been available for withdrawal and any attempts to touch my balance is denied. 

I have been calling their financial security department for two weeks and have experienced high wait times, over an hour waiting, with no assistance with this issue. Their customer service department can not assist retrieving my funds and I receive no callbacks from their security department. 

As of today XX/XX/XXXX, Capital One is holding over {$3300.00} of my money hostage in their system. They have no interest in releasing my funds, and have cost me late payments and a credit card fee for a denied payment.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-18
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 am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

I have a student loan through Wells Fargo and I am unable to set up an automatic payment each month for more than the minimum payment. Is there anything I can do about that? I have student loans with other companies who all allow additional payments to be automatically scheduled. It makes it easier to be regularly financially responsible by paying more than is due to decrease the total interest I will pay.