davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
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. (CA)

I disputed this inquires before with TransUnion. I don't recognize this inquires. 
The list of unknown inquires are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX They sent me a letter that they are correct and accurate but I did not received any proof of them. I do have a personal statement on file, I was never notified when this inquires were pulled.
Consumer complaint received 2021-01-29
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: TRUIST FINANCIAL CORPORATION (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Requested On : XX/XX/2019, SUNTRUST AUTO DEALER FIN Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2019-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

In XXXX of XXXX I started the process of refinancing my mortgage. I was then told that my mortgage company, Freedom Mortgage, had not paid my taxes for the last quarter of XXXX. I opened up an inquiry on that matter with their tax department. 
When I reviewed my annual escrow statement, it showed that they had issued the tax payment of {$580.00} out of my account in XX/XX/XXXX, but it was not reflected on my taxes. In addition, it showed THREE payments made in XXXX of XXXX to taxes. When I called and asked about it, I was told that it was to pay for the last quarter of XXXX 's taxes. When I asked them why the XXXX payment had not been re-deposited into my escrow account ( since the payment was never made on my behalf ) they said they would open an inquiry. 
Now, I went to pay my auto insurance, and see that NO PAYMENT has been made for my homeowners, which was due XX/XX/XXXX. My escrow account was debited for the entire amount of my homeowners ( {$1600.00} ) on XX/XX/XXXX, but has yet to make it to my insurance bill. 
Additionally, Freedom Mortgage has now upped my escrow because there is not enough " cushion ''. There is not enough cushion because the have made incorrect payments out of my account. 
Due to the tax situation, I recently put in a request to stop having Freedom Mortgage escrow my mortgage. I was denied because the escrow account is negative, which is, again, because they made incorrect payments out of my account.
Consumer complaint received 2021-11-10
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. (IL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX FXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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: Synerprise Consulting Services, Inc. (TX)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express approved my application for a Business Platinum card with a sign-up bonus offer to earn XXXX MR pts after a minimum {$10000.00} in qualifying purchases within the first 3 months. As the facts ( with the attachments to here ) proved that American Express had posted qualified purchases and awarded associated points of {$10000.00} within the first 3 months to my account along with written chat confirmation in early XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and a phone conversation on XX/XX/XXXX with XXXX along with a concurrence by a supervisor who stated that my account did meet the qualified spend to earn a welcome bonus which will likely be posted in XX/XX/XXXX after the statement close, however ; I was recently informed via chat on XX/XX/XXXX that my account showed a spend of {$9100.00} without a detailed explanation of how the numbers were computed and that my account will not earn a welcome bonus. 

Again, as the facts with attachments proved that the American Express previously approved qualified spend and awarded pts associated with the purchases showing a spend of {$10000.00} within the 3 months, along with previous written and phone confirmation from Amex Rep that the account did meet the minimum qualified spend to earn the welcome bonus, I'd appreciate a review and correction to this issue in order to award the welcome bonus as agreed. Thank you, XXXX XXXX
Consumer complaint received 2023-03-06
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: Kikoff Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHRISTUS HEALTH (TX)

TLRA CALLED ME TO MY PHONE NUMBER XXXX AND ATTEMPTED TO COLLECT A DEBT FROM ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER NOW BELONGS TO ME AND TO NOT CALL ME AGAIN. DESPITE MY REQUESTS, THEY CONTINUE TO CALL AND TEXT ME WITH THEIR AUTOMATED VOICE / COMPUTER VOICE. THIS IS A FDCPA AND TCPA VIOLATION. IT IS ALSO A VIOLATION OF THE TFC SECTION 392. I AM A XXXX RESIDENT.
Consumer complaint received 2018-07-25
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. (TX)

Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency into a public record entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX and that I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 

On XX/XX/2018, I mailed a notice to TransUnion in an effort to have the inaccurate item removed or for the credit bureau to produce written documentation, in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request. I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verified it, the information is sent back to TransUnion. I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I contacted TransUnion once again and spoke with another representative, this time he advised me the information is verified by a runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me, unfortunately, I can not provide you with any information in regard to our investigation. He also doubles down, I can not comment on that, because that is XXXX policy that we can not disclose the source of any investigation. He advised me that they use a form which is sent to the courthouse. I asked what type of form and exactly where the form is sent as the court clerk confirmed that they do not verify any information with the bureaus. 

Furthermore, I asked if he could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I provide a letter from the Bankruptcy Court and the others XXXX and XXXX regarding my security freeze to validate my claim. I am requesting assistance in getting this ongoing issue resolve. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



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 XXXX XXXX
Consumer complaint received 2021-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

this is a huge fraud Contacting the creditcard company to help they asked for info like my receipt well they are the creditcard company they see the charge, the company locked the account not allowing me to make a copy of the receipt. 
creditcard company asked to obtain a letter from another company stating the price paid was to high? what companty will do that?
Consumer complaint received 2019-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

A Certified/Return Mail was sent to this creditor, Chrysler Capital requesting that the account # XXXX since XX/XX/2015 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Chrysler Capital must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX account with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. 
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. 
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! 
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (PA)

I informed TRS recovery services that they were attempting to collect on identity fraud and they responded by dunning me. At some point they also sent me an egregious letter demanding personal information such as my social security number, bank account numbers, etc. I ignored this request as unfounded, especially since it came after the notice from me. I can locate that document if necessary. 

In addition, they are back dating their letters to make it appear longer periods of time between responses. There are no postal XXXX on their envelops but they are sending by USPS. They are sending letters to my office at the name XXXX XXXX which does not exist. They did not include a suite number. The later letters was sent to XXXX XXXX still at my office. They don't even know who they are attempting to collect from! 

I am sending a second letter ( certified mail ) to them informing them of the identity theft. This was reported to all of the credit bureaus and I requested my accounts locked. 


Letter Dated Received XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ME TO XXXX Deny per Fraud XX/XX/XXXX FAX Proof of Delivery XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting 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. (IL)

a ) I tried to lift my security freeze on experian.com ( XX/XX/2024 ) b ) The password reset options on Experian.com account allow me to login after which I get an error message that prevents me from doing anything else. 
c ) The automated phone dialog does not permit you to speak with a human. I have tried different Experian numbers and all the menu options. 
d ) I wrote to Experian by US Mail providing my drivers license and a utility bill as requested. I got back an uncomprehending response ( without a date on it ) that amounted to a one time code for a third party to access my credit. 
e ) In summary Experian is obstructing access to my own credit history and is attempting to suppress customer complaints by making it very challenging for a customer to register such a complaint.
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I have redlined areas in the attached XX/XX/XXXX and XX/XX/XXXX correspondence from Discover. In the XX/XX/XXXX letter, Discover advised you were advised concerning your requests for call transcripts and bank account information from your XX/XX/XXXX, CFPB correspondence, that we will not be providing this requested information. This protects Discover to make the following statements below. 
Also in the letter, Discover claims the returned payments to be valid. This is a false statement. They were not valid payments since I did not approve nor make payments. In the XX/XX/XXXX letter, Discover claims due to your financial institution advising they were unable to locate the bank account ending XXXX. These are also false statements. This was not my financial institution. 
Discover is making false statements in line with their refusal to supply the bank account information and transcripts.
Consumer complaint received 2018-07-25
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. (MS)

i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.
Consumer complaint received 2018-04-05
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. (FL)

TRANSUNION HAS failed to use reasonable procedures to LEGALLY verify the information they are reporting on my credit reports. This is the last step for me before I get the ATTORNEY GENERAL INVOLVED and then take them to court. By law, they are suppose to use reasonable procedures to COMPLETELY verify the information that's on my report. How can they report information that I have NO SIGNED contracts for?? 

I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX  has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX a domestic wire was supposed to be sent for XXXX. The banker received the right bank name, account number, and routing number as I initially did the same type of wire in XX/XX/2022. I showed the banker exactly how the receipt from the previous wire was done and was under the impression she did it the same way. She asked for a XXXX code and I told her we didn't need one because the bank was in the US. She demanded one in order to send because the merchant was in XXXX. I again explained that the merchant bank was in the US. Once she asked again for it I gave it to her because it seemed like she wasnt going to do the wire without it. I noticed the receipt that was sent to me didn't show the bank that I gave and I found out the banker sent the wire internationally without an IBAN instead. The funds never reached the recipient. TD bank has not found my wire and its been close to 4 weeks. The banker did my wire incorrectly by sending the funds to a US domestic bank on an International wire transfer.
Consumer complaint received 2023-02-24
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. (AZ)

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

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-09
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. (CA)

XXXX XXXX - Charge off Account - XX/XX/XXXX I sent a letter requesting information and an investigation over this account and kept getting the same response with no information on the account and how it was investigated in detail. I sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanding information over this account and the documents that verified this was my account and I don't get any information from them.