davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (NY)

I am submitting this because XXXX XXXX XXXX received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX and XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXXXXXX XXXX 
Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
My recent XXXX, XXXX, and Transunion consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 
Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX  in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXXXXXX XXXX XXXX 
However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, XXXX, and Transunion, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXXXXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount in the billing error notice may have increased since the date of the notice but does not change the fact that my account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed.
Consumer complaint received 2018-11-21
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. (GA)

I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2018-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

Applying with XXXX XXXX to buy in XXXX XXXX, they referred to Eagle Home Mortgage. They are requiring that the loan must go thru Eagle Home Mortgage or you can not buy a home in their community. They will not sign the addendum allowing you to use your own lender. Neither Eagle Home Mortgage nor XXXX XXXX are paying any of the closing costs and are not providing any lender/builder credits on this transaction. 
Eagle Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

When checking my credit report, i found that this company is saying that i owe them {$2500.00} i have not taken out no loan or owe this company any money. i want this taken off my report. i will keep sending complaints until this is solved. i will write letters personally if i need too.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

I want to use car lot to buy a car but, they Deny me because I couldnt pull my credit report and I was unable to pull my report because, I have a freeze on the account, I need to unfreeze it and manage the freeze, But Im been unable to because, The email that is signed to the account is old, And I doesnt I dont use the email anymore, I been try to contact the credit Company, Since 2020.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TN)

On XXXX XXXX I opened a checking and savings account with SunTrust Bank online.. I received all emails stating my new account was opened and ready to fund. I transferred money using my debit card from another financial institution, which was an option. I received my debit card a few days later and activated it. On XXXX XXXX I tried to use my card and it was declined. I tried to log into mobile banking and couldn't. I called my local branch and was informed that my account was being closed and to call the fraud department. When I called the fraud department I was told my account was frozen and being closed because I violated a policy but they didn't have exact details and I would receive a letter in the mail. I called again on XXXX XXXX and was told after 5 days I would receive my money in check form in 7-10 days. I called again on XXXX XXXX and was told I have to wait 15 days then receive my funds by check in an additional 7-10 days. Never once during this did i receive any communication from the bank that there was an issue.I have told them I need my money, i have tried to contact corporate and there doesn't seem to be a way to do that. After reading online reviews this seems to be a common practice of this bank. PLEASE HELP, I NEED MY MONEY!
Consumer complaint received 2021-07-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-07-26
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 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 instruction
Consumer complaint received 2022-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I have a credit score of about 800 ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

CAPITAL ONE AUTO FINANCE ( Finance ) XXXX XXXX XXXX ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make XXXX inquiry. 

I also see I have an additional 2 hard inquiries from the following dates : CAPITAL ONE ( Bank ) XX/XX/XXXX XXXXY ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2023-03-26
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. (GA)

I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

It was determined on XX/XX/2019 that a loan with XXXX XXXX XXXX was fraudulent and the account was deleted from my credit report. But then I just received an alert from Experian on XX/XX/XXXX that dispute results are ready pertaining to this same account that was removed from my credit report. In addition I never filed a dispute for this account due to the fact it was removed from my credit report.
Consumer complaint received 2018-11-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NJ)

My account shows Negative even though all my payments were made on time. 
It for a Lease with US BANK for a brand new XXXX XXXX XXXX   XXXX color. 

I would like the negative to go out as it is affecting my credit score badly
Consumer complaint received 2023-03-26
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. (VA)

On XX/XX/23 I was approached by someone at a retail store frantically needing to borrow my phone to call someone. After they gave my phone back I realized they had access to my bank information and applied for a {$3500.00} loan on my name and my credit got affected from it. My bank has already reported it as fraud and said I should report to any credit bureaus to report it there as well.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2023-02-22
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. (AL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. 
These companies have REFUSED to work on disputes even though they are required by law to do so.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

On XX/XX/21 I called Citibank to understand why finance charges were being applied to my credit card account despite the fact that I had paid the balance in full every month. I was informed that due to a partial late payment in XXXX -- I paid off the full balance 1 day late -- I was being charged daily interest on every purchase made for a subsequent 2 month period. Interest was being applied not on an unpaid balance, but on every transaction. In essence, this became a card that is not a credit card. No revolving credit for 30 days, as is the common understanding of credit cards. I have never encountered this type of penalty for a late payment. Nowhere on my statement does it indicate that I am no longer receiving credit of any kind. I feel that this is a predatory lending practice that I could not possibly have been expected to anticipate. Had I understood this was happening I would have used one of the several other avenues I have for credit over the last two months.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were XXXX they misrepresented themselves to be XXXX  and charged me the same fee as real XXXX. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an XXXX  I thought I was hiring real XXXX  He completes a draft and then told me I needed to pay the other half {$4600.00} on XX/XX/XXXX, I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I XXXX upload an example of what I was expecting and what I received and what I should have received.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

Hello, Beginning on XX/XX/XXXX I have been in contact with PNC bank, the lender with which I have my first draw PPP loan that I acquired in XXXX. I took a conservative approach when I took out my XXXX PPP loan and did not request it for as much as I was eligible, as I did not include my own personal salary for which I pay myself biweekly. This year, when the SBA announced that they would be relaunching the PPP program with a number of different amendments, including allowing Customers to apply for an increase to their first draw PPP loan. The procedural notice was issued Wednesday, XX/XX/XXXX, and today is XX/XX/XXXX. PNC still does not have a method by which a customer who has their first draw PPP loan with them can actually apply for said increase. The guidance given by the SBA dictates that increases to first draw XXXX loans can be made only by the lender of record for the loan i.e. the lender that is reflected in the SBA system as the current owner of the loan. Because I bank with PNC, and because my first draw PPP loan is with PNC, I am unable to apply for an increase. Its been three entire months that PNC has had to actually stand up a process to meet the customers needs. Other financial institutions like XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX have successfully set up processes. By not complying to this SBA procedural notice, PNC is doing me and many other customers a disservice. I have contacted my banker no less than six times since XX/XX/XXXX, each time Im given a vague reply like its still in the process as an established yet, will let you know when it is. This back-and-forth and runaround has gone on long enough. The funds allocated to PPP by the SBA that Congress approved are dwindling with a {$10.00} XXXX a week run rate, at this rate folks are projecting the funds to run out in the next 2 to 3 weeks. Even at a more conservative run rate, it is not likely that the funds will even last until the program ends on XX/XX/XXXX. Even still, I do not have faith that PNC bank will actually have an established process for me to even apply for an increase. All Im asking for is the opportunity to apply for the increase as laid forth by the SBA according to their procedural notice. 
I would appreciate if the CFPB could investigate as to why it is taking so long to stand up this process at PNC.
Consumer complaint received 2022-07-26
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. (TX)

In XXXX of XXXX, and XXXX of XXXX, I submitted documents to Equifax proving that several inquires on my credit report were not authorized or duplicates of authorized inquiries. These documents included an Police report and FTC report. These inquires included XXXX XXXXXXXX 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
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

I asked the company for the original contract twice and they can not provide it. This debit doesnt belong to me. I have disputed it and contacted the XXXX. They only sent a letter saying this was my debt. I want to see the original contract because this debt does not belong to me an I want it taken off my credit report.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.