davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (NY)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-10-06
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. (FL)

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. 

Here are fraudulent inquiries on my XXXX account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Here 's for TransUnion inquiries reporting in fraud : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-04
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. (LA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX 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
Consumer complaint received 2022-10-05
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: BARCLAYS BANK DELAWARE (FL)

to whom it may concern, I booked flights with XXXX XXXX and when we got to the airport for our departure and already had our bags paid for. 
One of the XXXX XXXX employees pulled us out of line to use the XXXX to try and help us expedite the process of getting our boarding pass. 
Long story short, the flight was about to leave and I just paid for two bags in the total amount of {$190.00} ( additional ) and the XXXX company refuses to let me mail in proof or email proof. They say they do not have an email address for me to send this to. 
They stole XXXX from me and my family and we are trying to recover from this hurricane. 

they also make it impossible to log in to check balances but the second a payment is due, they have all the means available to notify me from the mountain tops that my card is due. 

this is a predatory tactic in my opinion and this company has taken advantage of us for too long. 

sincerely
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (AL)

Sunrise Credit Services , Inc. ( SCSI ) contacted me by letter dated XX/XX/2021 about an alleged debt of {$150.00} owed to XXXX XXXX. I received the letter on XX/XX/2021. 

SCSI is incorrect as I do not owe the debt, and I have documents proving that. 

I responded to SCSI 2 days later via letter sent certified mail and advised the company that I do not owe the debt, that I dispute the validity of the debt, and that I have proof that I do not owe the debt. 

I also notified SCSI that I presented my evidence to the previous debt collector handling this matter. That company then apologized, closed its file, and promised to remove the item from my credit report. 

I also asked SCSI for additional information, including proof that it is authorized to collect the debt. The return receipt shows that SCSI received my letter on XX/XX/2021. 

On XX/XX/XXXX, SCSI responded by sending the documents attached and marked as Exhibit A. These documents contain violations of the Fair Debt Collection Practices Act : SCSI has provided no evidence that it sought to verify the validity of the alleged debt, despite knowing that a previous collector stopped all efforts to collect it when presented with my proof of payment. 

SCSI has provided no evidence that is properly authorized to collect the alleged debt, as it has failed to demonstrate that it is properly licensed and insured in the state of New York, where it is located.
Consumer complaint received 2019-07-24
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: BARCLAYS BANK DELAWARE (AZ)

Card was opened in XX/XX/2019. Card would not work. Contacted Barclays and CSR informed me to fax a copy of my drivers license and social security card to verify account. Fax was sent XX/XX/XXXX. Waited and called back in early XXXX. CSR informed me that fax was ineligible and requested me to fax it again. Faxed copy on XX/XX/XXXX. Nothing changed. Contacted Barclays on XX/XX/XXXX and they said they hadn't received fax ( I have proof that fax was transmitted correctly ). Re-faxed documents on XX/XX/XXXX. Contacted Barclays on XX/XX/XXXX and CSR says that they still need a copy of the utility bill. This was a new request that had never been told to me before. CSR would not let me speak to a supervisor or escalate this. Now receiving a collections calls due to late payment. The card has a {$95.00} annual fee and a late payment charge of $ XXXX dollars but I can not access this account or pay anything due to the account being locked. I inquired about closing the account and the CSR told me I can not close this account until I pay the {$95.00} annual fee and the late fee EVEN THOUGH BARCLAYS IS  NOT LETTING ME ACTIVATE OR USE THE CARD THEY ARE CLAIMING I OWE THEM MONEY.
Consumer complaint received 2019-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

Pacific Credit Services and/or their client/affiliate sent false information to all 3 major credit bureaus, the false information was then attached to my credit report saying I owe {$13000.00}, which caused negative remarks on my credit report which caused my credit score to lower tragiclly. I have never in no way been associated to Pacific Credit Services or their affiliates or do i owe any amount to Pacific Crediit Services or their affiliates.
Consumer complaint received 2022-04-06
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. (AL)

In accordance with the Fair Credit Reporting act the following item ( s ) has violated my rights : 1 ) 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was XXXX XXXX. 

I just recieved a notice from the New York XXXXXXXX XXXX Department of XXXX XXXX ( received today XX/XX/XXXX ). It was time stamped by the XXXX on XX/XX/XXXX. 

The File no is # XXXX Attorney : Foster & Garbus XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.
Consumer complaint received 2019-07-25
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)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT EDXXXX XXXX
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (TX)

On XX/XX/2019 lender company called " American Financial Network Inc '' given a quote with XXXX $ credit with 4 % interest rate. 

In the initial CD they removed the lender credit. When I asked about the lender credit they mentioned that i will get that lender credit added in the final CD and asked not to worry about it. 

Final CD handed over about 3 to 4 hours before the closing date ( XXXX XXXX ) and again they have not added the lender credit. 

I was getting some realtor credit also but asked them clearly use only the amount you can and remaining you do not need to use it. 

There were seller home HOA issues and closing got postponed by couple of weeks. So when i have asked about my lender credit to the lender they were saying we had to pay rate lock extension and you will not get more than few hundred and if we add the credit now closing will be delayed ... etc. So they literally blackmailed me and corned me to close it without lender credit which they promised.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake. They said they had not received payment. I immediately called my bank XXXX XXXX and they said something happened on capital ones end.
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (WI)

Ocwen Loan Servicing illegally foreclosed on my home back in XXXX. They never legally had the right to collect anything from me. The original creditor on the contract clearly states goes by the name " XXXX '' They have never shown any evidence where they purchased the contract from XXXX. Now to this day XX/XX/XXXX I obtained a copy of my credit reports which shows too many inaccuracies reported by Ocwen Loan Servicing. I disputed this account with the credit bureaus and yet OCWEN LOAN SERVICING claims to have verified the information as COMPLETE and ACCURATE. Number 1. OCWEN Loan Servicing does not have the right to report any information on me to the credit bureaus, number 2 the information and accounting they are reporting is inaccurate. The payment histories between the credit bureaus do not even match each other.The term set with the original creditor is inccurate. As of now I cant get my home back as its been sold and I have  a XXXX balance, but I want Ocwen Loan Servicing to remove and delete any and all entries regarding this account to from XXXX, XXXX, and XXXX. As the reporting is not and has not been properly investigated by Ocwen Loan Servicing nor is it complete or accurate, yet they fraudulently verify this information with the credit bureaus when disputed by me.
Consumer complaint received 2019-10-01
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. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : JXXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX  has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Securitas Financial Inc (KY)

On XXXX XXXX, 2017 my loan closing for my home loan with XXXX XXXX XXXX was held. Prior to this closing, the Securitas Mortgage, Mortgage Broker representative XXXX XXXX ( NMLS # XXXX ) had informed me that the funds I should receive back after the closing ( from previous escrow as well as any additional funds ) would total {$1200.00}. During the closing the Notary ( XXXX XXXX with XXXX XXXX, XXXX ; XXXX ) mentioned that the cash amount to be received back to me was listed on her paperwork as {$500.00}. When I mentioned that this was not the amount discussed with me by XXXX XXXX prior to the closing, I then paused the closing to give him a call and after some checking while on the phone he then determined that {$700.00} had inadvertently been left out during the processing of my paperwork. At this point he then confirmed this to the Notary, XXXX XXXX, over the phone during the closing. XXXX XXXX then said that if we would continue with the closing he would send me a check for the amount left out in error - {$700.00} - within the next day or so. Although I did receive the {$500.00} amount first mentioned by XXXX XXXX within a few days, I did not receive the remaining {$700.00} the Securitas Mortgage Broker assured me that I would receive if I proceeded with the closing. During the next week the promised check did not arrive from XXXX as promised, nor in a wire transfer to my bank account, which was also promised on numerous occasions. The Securitas Mortgage Broker representative even promised twice to drive a check to the nearest XXXX XXXX XXXX and deposit the check directly into my account on at least two occasions. It has now been 40 days since my closing and I still have not received the remainder of the funds I am due. I have at least several dozen emails from Securitas Mortgage relating to this issue and promising to resolve this situation, and nothing is being done. A few days ago I then sent an email to the Securitas Mortgage President and also sent an email and left several voicemails with XXXX XXXX, Mortgage Consultant ( NMLS # XXXX ) who processed the loan, and have received no response from either of these Securitas Mortgage representatives regarding my situation. Once again, I have numerous emails from Securitas Mortgage acknowledging responsibility for this amount owed of {$700.00} and promising payment, and the XXXX XXXX XXXX notary XXXX XXXX also remembers payment of this amount being promised by phone during the closing, however nothing is being done and I am not receiving call backs when I leave messages.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

this has been the worst experience i have ever had when you complain to wells they do nothing now this loan has been paid off for almost 60 days and they are still reporting as open i went to log in as i thought i was going to have problem with wells par for the course and my log in would not allow me to after spending two hrs on phone getting bounced from place to place they finally told me they shut down my online access because the loan is paid off basically oh well no notice nothing wasted my time yet again now its almost 60 days and i havent received anything from them showing in paid in full no release nothing and its still showing open on my credit reports this is typical of wells when they incorrectly report lates they put them on quickly then never remove them but when its paid in full they do nothing unacceptable
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Someone gave me a fake check and I deposited it into my account so I have to owe capital one XXXX,XXXX back. Im a mother and currently XXXX. Its hard to try and pay that for someone who tried to scam me.