davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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)

{$470.00} XXXX XXXX Closed Charge_off {$330.00} XXXX not more than two payments past due {$390.00} XXXX XXXX XXXX Not More Than Four Payments past due {$6.00} XXXX XXXX  Pay as agreed XXXX XXXXXXXX XXXXk Self Closed account Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Services XX/XX/XXXX Capital XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act Convergent 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
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (IL)

TILA, RESPA and XXXX XXXX XXXX to Harris Bank to verify receipt of my payment. 

Dear Harris Bank, My name is XXXX XXXX, I am a buyer of property located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX where Harris Bank was a Lender for XXXX XXXX, the Seller of this property. 

On XX/XX/XXXX I obtained a Mortgage loan from XXXX XXXX XXXX XXXX for {$170000.00} to pay XXXX XXXX and her lender, Harris Bank for this property where Harris Bank loaned XXXX XXXX {$100000.00} on XX/XX/XXXX. 

As I recently discovered, Harris Bank apparently did not received {$100000.00} or any other reasonable amount from my XXXX payment. 

According to XX/XX/XXXX Harris Bank Release Harris Bank claimed only {$1.00} received as consideration which is of course not sufficient payment for {$100000.00} loan Can you please explain why Harris Bank received only {$1.00} as my payment for XXXX XXXX loan. 

Please provide me a copy of wire transfer receipt which show the amount of money received from me or on my behalf by Harris Bank ; and identify who is the sender of this wire transfer. 

Please disclose if Harris Bank comply with XXXX in its accounting practices. These records must be kept permanently on Harris Bank books and records and be readily available upon request. 

I am not asking for any accounting records for XXXX XXXX, only for proof of my payment or payment on my behalf from the loan I received from XXXX XXXX and Loan on XX/XX/XXXX since it appears to be missing. 

Regards XXXX XXXX
Consumer complaint received 2018-02-12
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. (CA)

I pulled my report to maintain my profile and this address keeps showing up on my report, I disputed this two years ago. It's also a duplicate with another listed address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2022-08-17
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 (WA)

On XX/XX/2022 Capital One froze my Capital One Venture credit card without explanation. I received an email notice stating it was due to " suspicious activity. '' As a result, I called customer service. The explanation provided by customer service was that my identification documents needed to be checked. The phone representative requested that I upload my identification card to their website, which was done on XX/XX/XXXX. The customer service representative stated that the website could not scan the identification, requiring manual review by a specialist. Furthermore, the customer service representative could not provide a date that account access would be restored. The customer service representative stated that it would be a minimum of 2 weeks for a specialist to reach out to me ( ten business days ) which is unacceptable.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (OH)

In accordance with the Fair Credit Reporting Act XXXX  Nelson Cruz and Associates, 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, states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I opened a statement in XXXX for this card I havent used in a long time. It had some fraudulent charge from XXXX XXXX for {$42.00} on XXXX. I reported it and initially they refused to send it to the fraud XXXX. It took them months to admit it was fraudulent. Another fraudulent charge appeared on XX/XX/XXXX ( I think ) from XXXX. They refused to investigate that for months and are now just looking into it supposedly. They are sending me to collections and dinging my credit for late fees for two fraudulent charges and now I cant even get someone on the phone for it. Its been a terrible experience.
Consumer complaint received 2021-06-08
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. (NJ)

I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX Experian and XXXX have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX, Experian and XXXX have all my the fair credit reporting act. I want all items deleted.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a membership family premier plan with Equifax credit Bureau, where my credit suppose to be monitored for a monthly payment of {$29.00}. The payment always been withdrawn from my bank account, I do have access to use equifax online services only to view my credit report but not to file or check a status of dispute, that shouldnt be, it shouldnt be a restriction in my account. Everytime, my personal information always been rejected by equifax online dispute center.I occasionally raised the issues to Equifax, unfortunately the issue never been resolved.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XX/XX/XXXX, I contacted Citizens One about refinancing my current mortgage. I was assigned to XXXX XXXX, the loan officer. I immediately submitted all documents as requested such as my taxes and financial statements and as Mr. XXXX said my documents were all satisfied and he will proceed with the refinancing. Nonetheless, it is now XX/XX/XXXX. I still don't have a closing date. I followed up with Mr. XXXX frequently and time after time he said it is in the working progress. Each time I contacted Mr. XXXX he stated that because of the pandemic, the paper work takes extra time. I had already paid for my appraisal back in XX/XX/XXXX and authorized second credit check. Still, no progress. In XX/XX/XXXX, I contacted XXXX XXXX, XXXX 's supervisor, to express my concern and frustration about the delay progress and I am running out of patience. He told me I have to wait like everyone else and again he blamed it on the pandemic. I contacted him numerous time later to check on the progress, he never return any of my calls. It is almost a year and my loan hasn't moved any further and the officer is ignoring me. I am an XXXX woman. My husband and I own a XXXX XXXX. We are struggling with the pandemic and therefore trying to refinance our mortgage to take some cash out to survive. With all the treatments XXXX and his superior, XXXX, are giving us fit the XXXX profiling. We work just as hard and the pandemic put us in great debt. Citizens One is also my current mortgage lender and we have never had even one late payment. The only reason we contacted them again because we want to stay with the same company. Is this how Citizens One treat their life long good customers? We are not the cause for the pandemic. And i do have all the text and email to prove that I was trying to follow up.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX2021. It's been over 40 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer report.
Consumer complaint received 2023-02-01
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. (TX)

Greetings! I have noted that my credit report was used improperly by the following companies and i have contacted all the parties involved, moreover In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Factual Data XXXX XXXX Factual Data XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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: OneMain Finance Corporation (AL)

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. 

1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) One Main Financial 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 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 or has reasonable cause to believe that the information is inaccurate.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-20
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. (OH)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (SC)

I received an undated notification.from Zion Debt Holdings that I owed a debt in the amount of {$150.00} to XXXX account XXXX. This account was owned by XXXX when I contracted with them. On XX/XX/XXXX I closed the account with XXXX- with a closing date of XX/XX/XXXX ( since we were selling our home on that date ). The account at XXXX was automatically billed to my credit card. XXXX did not bill that account until XX/XX/XXXX. I was surprised with the billing so I contacted XXXX ( who had been taken over by XXXX ). On XX/XX/XXXX, I called XXXX. XXXX XXXX verified that I had closed the account and acknowledged that the agent on XX/XX/XXXX. did not follow proper closing procedures. In XXXX, XXXX I received a letter from XXXX stating that there were no additional charges from XXXX. I still received billings for a few months but those billings disappeared in XXXX, XXXX. All conversations related to these billings with the representatives at XXXX were futile. Since I had had no contact from XXXX in a year, I shredded the letter from XXXX verifying no owed debt. I have had no further interaction with XXXX. Obviously XXXX assigned my referenced account to Zion Debt Holdings without any notification to me of those actions. XXXX has on record a copy of the letter that was sent to me by email in XX/XX/XXXX advising me that there were no debt or fees associated with this account. 
I tried talking with XXXX at Zion Debt Holdings and she insisted that I owed the debt because I had failed to notify Monotronics in writing. However, I explained to XXXX that I had followed all procedures explained to me by XXXX and the representative on XX/XX/XXXX. XXXX stated that the representative in XXXX did not follow all procedures related to the closing of the account.. However, I did not question XXXX about the failures of that employee. We had an account with XXXX for 12 years. I suggested to XXXX that they ask XXXX for a copy of the written verification of the affirmation of no debt. She rudely explained that the verification was my burden and not hers. XXXX let me know that if I had not submitted payment on or before XX/XX/XXXX that she would submit my record to all credit bureaus. 
Please contact XXXX and verify this information on my behalf and request they remove my account from Zion Debt Holdings. 
Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2018-02-12
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. (FL)

I settled with XXXX XXXX XXXX for less than the full balance and disputed with XXXX and Transunion for this account to be removed. This account should no longer be reporting on my credit report.
Consumer complaint received 2023-02-01
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. (GA)

Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the XXXX DO NOT CONSENT TO E-OSCAR FOR VERIFICATION. 

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau
Consumer complaint received 2023-04-27
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. (NY)

On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXXXXXX XXXX XXXXXXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or XXXX to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS
Consumer complaint received 2019-11-13
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Collection Bureau of America Ltd. (CA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Total amount {$1600.00} account/bill was for corrected medical procedure that was done incorrectly. Dental service provider sent me 3 hours away to another qualified dentist to correct the issue and stated I would not be responsible for their negligent service causing me to have a root canal which was not initially needed. Dentist cause an issue and it had to be correct at my expense of going to only other dentist to correct issue in XXXX XXXX XXXX 3 hours away. Now XXXX is wanting to charge me for fixing what 1 XXXX messed up and another had to correct!
Consumer complaint received 2023-02-01
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: NAVY FEDERAL CREDIT UNION (IL)

I sent in a billing error in accordance with title 12 CFR 1026.13b for 3 credit cards in the amounts of XXXX XXXX XXXX XX/XX/2023 And requested that the credit balance be sent credited to my account or refunded to be in accordance to title 12 CFR 1026.11 Navy federal keeps telling me there is no credit balance and I must pay and they will keep adding on interest even though there should be no adverse action