davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.
Consumer complaint received 2024-02-09
Product: Credit reporting 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)

After receiving a copy of my TransUnion consumer report I noticed there was a total of ( 4 ) unknown and unwarranted and non permissionalble inquiries,4 inquiries that I didn't recognize nor have a open account with. After speaking to a representative from TransUnion they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.
Consumer complaint received 2022-07-15
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 (AZ)

CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the XXXX and XXXX and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( CAPITAL ONE ) - I've sent out a debt validation letter to capital one for proof of ownership on the debt of a credit card that capital one claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( capital one ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with capital one. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to Capital One they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.
Consumer complaint received 2022-07-15
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Your company claims the following accounts have been verified. Please provide your method of verification or delete these accounts immediately. XXXX XXXX XXXX XXXX is reporting incorrectly. There is an entry of XXXX for XX/XX/2021. Also you are reporting a balance on a closed account which is a violation. XXXX XXXX XXXX is also reporting inaccurately. You marked this account 30 days late consecutive months. This reporting is inaccurate. I can not be 30 days late on an account for back to back months. Lastly XXXX XXXX XXXX is reporting a balance on a closed account. This is inaccurate. I have attached screen shots as proof there was no proper investigation done and the accounts are still reporting inaccurately which is a violation of XXXX XXXX STANDARD COMPLIANCE
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NM)

A few years ago I believed that Citi Group-Costco cancelled our Costco Citi Visa due to one missed payment. At that time, I destroyed the card. Years later, I found out the card had not been cancelled but the card was now cancelled because we did not renew our XXXX  membership. Every access, on-line or phone, requires me to provide my card number which I no longer have. Since the card was cancelled, Citi no longer recognizes my social security number or my phone number when I attempt to make payment. I can no longer log in on-line and the only way they will " retrieve '' my access if for us to apply for a new card which we do not want to do. There is no reason for them to be pulling a credit report, etc. when I have no intention of having a new card with them- BUT I do need to have the ability to access the account to pay off the balance. I have tried at least 6 phone numbers and have spent at least two hours trying to rectify this situation. We do not want to re-open the account, we simply want a means to pay off the balance with monthly payments. The lack of ability to pay those payments now has us about to be two months in arrears.
Consumer complaint received 2021-10-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.
Consumer complaint received 2016-09-27
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: RESMAC, INC. (FL)

XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Tuesday XX/XX/2022 I was alerted that my debit card was compromised. There were transactions totaling nearly {$1300.00}. The funds were not credited back to my account even though I told the bank the transactions were not mine. The bank is refusing to credit me back the funds and my account is now overdrawn. I can not buy food or pay my bills. I need my money back.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have a collection account that is being reported. I initiated a dispute on last year and even contacted the company of XXXX XXXX XXXX who is reporting the account. They assured me the account was in error, but it still remains on my credit.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NC)

Hello I'm the primary person for the loan note since I became XXXX about XXXX ago I started asking the mortgage company to adjust my mortgage and when I did they would sell it to another company and when I would ask them the same question they would sell it to another it's been aleast five company 's and my wife was paying the mortgage and I wrote the company called and left messages and they wouldn't talk to me and she got behind she didn't tell and they wouldn't talk to me and I'm the primary of the loan and it's messed my credit up and I've been paying the taxes every year and I just found out that they were without me knowing and by me being XXXX the county had me waiting 6nonths for both year to get my money back I know I have rights I was certified with the state of NC before I got XXXX and I went to my local branch social security office and they told me to contact you'll and I knew something didn't seem right so I had credit repair challenging the other mortgage companies and have recipients for my taxes that got sent pack
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 2022-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax has implicitly acknowledged that XXXX Bank made a fraudulent claim of a late payment on my account by stating no evidence of a missed payment and that it is current etc. However, they neglected to remove the false report from my history saying " it will be removed automatically in ten years. '' I will not stand for having my credit score adversely affected for 10 years due to fraud from XXXX XXXX XXXX store card ( XXXX Bank ).
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with XXXX showing as open and Equifax showing as closed and XXXX not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.
Consumer complaint received 2020-11-24
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: Early Warning Services, LLC (IL)

I disputed unknown inquiries on my Early Warning Services Report. The company did not want to perform investigation ( XXXX XXXX inquiry ), refused to give me contact information of those inquiries so I can contact them by myself and see why they obtained my report. EWS said they don't have any evidence for the permissible reason of the inquiries and they won't remove the inquiries either. Provides inadequate information. Provides outdated information. And easily spreads my report to who-ever without my authorization or permitted by law, which puts me on a risk of identity theft. The uploaded file is evidencve that EWS doesn't care to who they give access to my file, and when i asked what is the reason they gave to the company in question, they simply ignored me.
Consumer complaint received 2023-04-08
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. (MI)

XXXX XXXX XXXX XXXX XX/XX/2017, I attempted to close this account on the same day that the account was opened. I contacted the company several times stating that the salesperson did not complete his end of the contract, thus rendering the contract null and void. 

I was told ( by several representatives ) that they acknowledged and confirmed my concerns. I was also told by these representatives that this account would be removed from Experian account.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened an account with Truist in XX/XX/2021 bc I have an auto loan there, as well. I then deposited {$5000.00} ( {$2500.00} in checking {$2500.00} in savings - I have attached a screenshot from my confirmation email. Shortly thereafter, Truist apparently closed my accounts without notifying me at all and then my balances went from {$2500.00} in each account to {$250.00}, so {$4500.00} literally disappeared from my accounts and Truist has REFUSED to allow me to withdraw my funds for almost 8 months now. I escalated this 5 times since XXXX and Truist has given me absolutely zero help and XXXX XXXX at the XXXX branch wont even take my calls to tell give me an update on why they are still holding my money after 8 months. This should be against the law when they are holding MY money that I cant even withdraw, yet they are still trying to charge my account for the monthly maintenance fee. This is absolutely inexcusable and something needs to happen to Truist so they no longer are able to do this to account holders.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I received credit card from XXXX  XXXX XXXX, and never received the card at first. when I finally received it I used the card and set it to auto pay. Once I checked my report I seen my score dropped and that XXXX reported a late payment on my report ( they broke my privacy laws and did not have my consent to report that ). Which by 15 USC 1666b which is considered a billing error, this is violating my consumer law rights. They also know of my situation and said they put request to have it removed 3 times and nothing has transpired.
Consumer complaint received 2022-07-15
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 sent my complaint to the three credit reporting agencies, XXXX, Equifax, and XXXX, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer report.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I found inaccuracies on my report. 

XXXX XXXX XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have been contacting all 3 credit bureaus reporting agencies trying to get validation and proof of this medical collection debt. I have started this process verifying this debt since the summer of XXXX, XX/XX/XXXX ( I have been submitting letters of method debt validation, requesting proof etc. every 90 days to allow them time to no avail ) as I maintain health insurance with my employer and shocked I received this on my credit profile. Every communication from the 3 credit bureaus have only mentioned verified and never provided the source or their method of verification ( which is unacceptable ) I have constantly disputed this with the agencies as they have not provided substantial details of method of verification. 
I then decided to contact the collection agency to possibly get some clarity and validation. I sent a letter priority mail XX/XX/XXXX to ARS requesting proof of this medical debt. I requested to get proof of signature that I stated it was okay to release my information to collect medical debt and proof that I authorize this.

I work for an employer where health insurance is provided and maintain. ARS sends me a letter saying I know they represent physicians NO I do not know this and I need proof from the medical facility and doctors that I agreed to this. 
This is in violation and I would like this removed from all 3 credit bureaus reporting agencies.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent my complaint to the three credit reporting agencies, XXXX, XXXX, and Transunion, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer report.
Consumer complaint received 2022-07-15
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: U.S. BANCORP (OR)

XX/XX/2022 - charged {$1200.00} for " XXXX XXXX XXXX '' which I did not use/purchase XX/XX/2022 - U.S Bank issues provisional credit to offset that charge and starts an investigation XX/XX/2022 - U.S Bank finishes investigation and says the charge is valid and removes that provision credit I did not make this charge, and have no idea how or why it was ever charged to my card. I used a ** similar ** company called " XXXX XXXX '' back in XXXX with my other credit card card.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (NY)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX