davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2019-10-31
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)

I am a documented ID theft victim of the 2017 data breach from XXXX. I have been trying for 2 years to repair the damage caused from such breach, however, XXXX  refuse to comply.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WA)

I recently applied for the Barclay 's XXXX Visa Credit Card on XX/XX/XXXX under the assumption that I would receive the advertised cash back rewards, and my application was immediately accepted. Two weeks later, on XX/XX/XXXX, I received an email that the entire reward system will be changed entirely where, among many other sore points, accrued points will now only be eligible for XXXX points. I called the support line on XX/XX/XXXX to voice my discontent with the sudden change, but the customer representative simply said there was nothing they can do, that the program changes were unilaterally decided by XXXX. 

The advertised rewards pale in comparison to what they are offering now, so I can't help but feel as if I was deceived into opening this account. It just seems as if the promoted benefits were just a part of a bait and switch operation to get individuals to sign up for the credit card.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a refinance with Chase bank. My mother has a mortgage of approximately {$67000.00} at 5.85 %. After my father died in XXXX, I tried to refinance under my name, and was denied. I have an excellent credit rating. I live in XXXX XXXX, and am a property owner there. The date when I received their formal letter of denial was XX/XX/2021. The property is on the XXXX XXXX XXXX XXXX. 

I have since learned that others in the neighborhood on the XXXX XXXX XXXX XXXX have also been denied a refinance with Chase.

I was referred to their " Escalation Department, '' and was told that someone would get back to me in 48 hours. I called them 72 hours later, and was mysteriously disconnected TWICE. I am still attempting to get through to them. When this disconnection happened the second time, I decided to file a complaint. I am still on hold after the third call with Chase as I'm completing this complaint.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I reached out to Cardinal financial company several months ago to inquire about refinancing my home and what it would entail. I spoke to XXXX XXXX NM XXXX XXXX, at length and gathered several pieces of information that would be required if we chose to refinance our home. We decided not to go this direction. Now today I received a " Statement of Credit Denial, Termination, or Change '' dated XX/XX/2021. Never at any time did we submit an application nor give any permission to dig in to our personal credit history several months later. I work hard to improve and keep a satisfactory credit score and this should not be allowed
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation (CA)

I had a Home Improvement loan with Concord and a balance of {$16000.00} which I paid off on XX/XX/XXXX and they wont update the credit report with a XXXX balance so my rating is going down because it looks like I have XXXX more debt then I should have total. I submitted a dispute and they said the info is correct which it was for XXXX but they have not updated the info to the credit bureaus for 3 months.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (AZ)

This is partially a follow-up to complaint # XXXX, to which the responding party has yet to provide an answer. After filing my dispute with Alliant Credit Union on XX/XX/2020, and NOT being issued a provisional credit, I filed a complaint with the CFPB for the lack of a provisional credit, which had never been denied me before. ( The Complaint also goes into deeper claims of a newly-instituted policy of $ XXXX/per item, which cost me {$360.00}. ) After filing my CFPB complaint on XX/XX/2020, I did receive a credit of {$130.00}, not the full {$160.00} being disputed. Today I have received a letter from Alliant Credit Union which states that I had been issued a provisional credit on XX/XX/2020, for the complete amount of my claim, {$160.00}. This letter is a fraud. I have attached both a copy of the letter alongside a detailed report of my checking account, which shows the fraud. I would like never to do business with the fraudulent company again, but I would first like back ALL of the stolen money.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (TX)

On XX/XX/2019 Early Warning is reporting I owe XXXX  XXXX  XXXX for unpaid account this is incorrect. I don't owe XXXX  XXXX XXXX money.
Consumer complaint received 2019-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a business credit card with Captial One Bank. I spent over $ XXXX on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that XXXX XXXX  refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in XXXX XXXX terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 when I found out XXXX was sold out to capital one I closed my account. So my last payment was XX/XX/2019. Closed account so now its showing twice capital one and XXXX closed account took my FICO score down its should just be one not both
Consumer complaint received 2023-01-19
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)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

In XX/XX/XXXX worked with XXXX XXXX with Advance Financial 24/7 to reach an agreement to settle in full account number # XXXX for {$5500.00}. A payment of {$5500.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/XXXX ( see Bank attached ). I received an email from XXXX on XX/XX/XXXX, which stated that my account with Advance Financial 24/7 had been settled in full ( see Settlement attached ). On XX/XX/XXXX, a withdrawal of {$880.00} ( see Theft attached ) was stolen from my banking account by Advance Financial 24/7. I immediately called ( XXXX ) XXXX and spoke with Advance Financial 's 24/7 representative XXXX, who stated that the {$880.00} would be refunded to my account in 3 business days. I repeatedly asked how Advance Financial 24/7 could legally take money from my bank for an account that had already been settled, but I did not receive an acceptable answer ; nor am I confident that this issue will not reoccur. I am also not confident that Advance Financial 24/7 will promptly refund the money they stole to my bank account. I was literally in the process of paying my mortgage when I discovered the stolen {$880.00}. Advance Financial 24/7 's actions in reneging on the settlement agreement are immoral, illegal, and unacceptable.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I was on a plane to XXXX, as I was going to be in XXXX my Mom was monitoring my credit and saw something go through while I was on a plane, she didnt know you could buy wifi or pay my bill on the plane which is what I did and reported it as fraud thinking I was on a plane. This was corrected the second I landed and could receive text messages, the mistake was corrected yet Capital One shut down both of my cards even though I never missed a payment, knowing this would leave me having difficulties in a Conflict Zone. Their excuse was we can shut your card down for whatever reason we see fit and youve barely been a costumer for a year, therefore severely damaging my credit report and taking money out of my Mothers account unauthorised after they shut down the card and after my Mom stated she would not authorise anymore payments to them since they closed two cards, one with no issues and one with a mistake, their main reason was I was only a Costumer for about a year.
Consumer complaint received 2019-10-31
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 681 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 an account without my written instructions. 


XXXX XXXX XXXX ALSO BROKE FEDERAL LAW BY DISCLOSING TO ME ANOTHER PERSON ACCOUNT INFORMATION AND ACCOUNT NUMBER. THIS COMPANY NEEDS TO BE SHUT DOWN IMMEDIATELY.
Consumer complaint received 2021-03-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Applied and received a locked Loan Estimate on XX/XX/2020 with {$5100.00} in Origination Charges and {$8400.00} in Lender Credit. Received a Closing Disclosure on XX/XX/2020 with {$6100.00} in Origination Charges and only {$390.00} in Lender Credit. Lender also ran my credit without my authorization on XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2020-08-19
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit card was charged {$24.00} per month by Transunion Interactive from XXXX, 2019 to XX/XX/2019 - a total of 8 times which amasses to a total of {$190.00}. This is a service I never ordered. I have not made any major purchases where I would need my credit report for many, many years. Furthermore, I have not received a credit report from them. My credit card company graciously is disputing the charges for the last three months. The following shows the dates of the charges : XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00}
Consumer complaint received 2019-10-31
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)

I am a documented ID theft victim of the 2017 data breach from Equifax. I have been trying for 2 years to repair the damage caused from such breach, however, Equifax refuse to comply.
Consumer complaint received 2019-10-31
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On XX/XX/2019 XXXX  XXXX XXXX sent information to the Chex Systems. That I have unpaid account. That is wrong. 

Please help me get Chex Systems , Inc.

Attn : Consumer Relations
Consumer complaint received 2020-05-20
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: National Credit Systems,Inc. (TX)

on XX/XX/2019 a dispute was made about fraud activity on my credit report, I sent over all supporting documents showing proof that this was not my information, I've tried several times after that on the following dates XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 I also sent over letters asking them along with the collection company to please remove this account from my credit report. I'm still to this day is sending over police reports and affidavits proving this doesn't belong to me. I have asked XXXX  to please remove the fraud account from my report but still I have no luck.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (FL)

I have had repeated calls from a company called AFNI when I XXXX them they come up as a debt collection agency. I have told them I am unaware of who they are, and they try to get me to give them information I am not comfortable giving, at which point the call ends. This company is calling me daily non stop. Recently I received 4 calls in under two minutes from this company. At this point I am looking at this as harassment as 4 calls in under 2 minutes is extreme behavior.