davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$390.00}.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Unable to access any customer service at Capital One 360. " Contact Us '' link provides no way to contact any customer service. Only offers help articles with false instructions and a phone number with only automated information. Getting a live representative on the phone who will hear and resolve a problem is near impossible. Getting a supervisor or someone with authority to resolve an issue is also near impossible. Nobody will explain anything. Always excuses and long holds making the customer hang up. Could never resolve issue. Capital One is unilaterally closing my account with no explanation or recourse. They acuse me of disrespect and abuse but it is Capital One which has been an abusive and disrespectful banking institution by mismanaging my funds and providing no customer service.
Consumer complaint received 2022-10-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

NCA has never provided the contract with my signature. The payments stop coming out of my account because it was not mines and the bank account was closed due to fraud. The documents have also been edited by NCA, I did not have the telephone number XXXX until XXXX. Furthermore, that was not my address during XX/XX/XXXX. During my move, a box was stolen out of my possession with my bank information and past paycheck stubs.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, a {$250.00} money transfer was initiated by FRIEND to the XXXX account of XXXX by mistake. The correct email was XXXX. 
FRIEND contacted the recipient ( XXXX ) to request reversal of the transfer. The recipient acknowledged the incorrect transfer but he has since refused to return the money. FRIEND 's efforts to deal with both her bank Wells Fargo and XXXX ( XXXX 'XXXX XXXX ) have failed to achieve return of the money. XXXX refused to communicate with her. My efforts to convince XXXX have also failed ( see attached emails ). 

I request that you convince the Wells Fargo, XXXX XXXXs and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX to process the return of the {$250.00}. 

XXXX is a trademark of XXXX XXXX, XXXX XXXX XXXX is similar to such services as XXXX and XXXX. XXXX was created jointly by several large banks, including XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Wells Fargo.
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (KY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the deletion of the accounts listed IMMEDIATELY! 13. 8K
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IA)

I made a purchase on XX/XX/ at a local furniture store using my store account that is issued through Wells Fargo, N.A. I used the store card because it is 12 month interest free financing. My issue however is that upon logging into my Wells Fargo online account I am unable to make payments on my account because they have still not processed my purchase. I have continually checked my online account since I made the purchase and the charge still to this date ( XXXX XXXX XXXX a month a half later ) shows as a " pending transaction ''. To date I have still not received a statement on the account either, the first of which should have been issued in XXXX. The online system shows that my next statement is scheduled for XX/XX/XXXX but this is similar to what it showed last month ( but XXXX cited ), so likely that I will not get another statement. Periodic statements are required under TILA/Reg Z , so I am concerned that one hasn't been issued yet on my account. Furthermore, Wells Fargo 's online system will not allow me to make a payment on the account as their system states " Your payment can not exceed your outstanding balance. Please change your payment amount. '' I have never had a delay this long on any credit card purchase posting to an account, and at this point it is preventing me from making payments that I should have the right to pay on my account prior to the end of the 12 month 0 % interest promotional period. This to me can be construed as consumer harm and resolution should be to extend the promotional period to allow consumers 12 consecutive months with the ability to make payments on the account at 0 % interest. Also, just now when I logged into my account, their online system has an alert that states " If you see incorrect balances or missing transactions, this may be due to a technical issue and we apologize. Your accounts continue to be secure and we're working quickly on a resolution. '' This to me is not adequate customer service from one of the largest banks in the country. They have been in the limelight for practices that create consumer harm and this is one that can be added to their track record. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I closed my credit card with Capital One more than two years ago. Last month Capital One reported to the credit bureau that I had outstanding, unpaid balance. After researching, I found out it was annual fee, interest and fees being charged for a closed account. I never received a bill By mail, nor any notice to my email or telephone. I noticed when I needed to purchase a car that my credit score went down from 800s to 600s. I called capital one and they stated that it was a mistake and that they would correct the negative report to the credit bureaus, in which they did not do it. My credit score is still in the low 600s. I need capital one to correct the mistake they make and take responsibility for their incompetence. Thank you
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

My XXXX has a credit card with Synchrony Bank he XXXX  away in XX/XX/XXXX suddenly, he was hospital from XX/XX/XXXX and never returned home to continued enjoying our retirement, we both decided that we would stay home and enjoy the rest of our life. I lost my job due to XXXX, my XXXX had already retired. This was great, we both work hard send our kids to school we were living the American dream. 
My husband was loosing his hearing and he decided he should get XXXX  XXXX, he did visited XXXX XXXX  XXXX they fitted him with a hearing aid and told him he was approved for a credit card that will pay for XXXX  XXXX. He did get the card and made payments to the credit card company, when my XXXX was hospitalized I took over the role of paying the bills and that included his credit cards hoping he will be home and resume paying off his obligations. After he XXXX I reported his passing to he XXXX XXXX XXXX, and was told to donate the hearing aid and to inform Synchrony Bank. I did and provided them with a copy of the death certificate. They continued to send me bill in my husbands name after numerous attempts advising that my XXXX is XXXX, they started sending the bill in my name. I never applied nor did I received a card, I was not a co-signed on he account. Synchrony Bank has reported me to numerous credit bureau without my knowledge, I am unable to secure credit, In addition I had XXXX other cards, which was closed without my knowledge. 
On Friday I received a letter from and Attorney XXXX XXXX XXXX XXXX XXXX asking me to respond by XX/XX/XXXX to dispute all or part of the debt, stating if a judgement is received in court I can lose Social Security, unemployment benifits and and several forms of income to repay his debt.I live on Social Security the house In is my only place of resident and I am struggling to make ends meet. 

Thank you, Kindly Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-13
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. (NY)

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-10-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Am asking for help with my mortgage lender to modify our mortgage loan and offer me a trial payment an affordable plan by decreasing the over inflated loan balance which I didn't cause nor had fault doing. Am a veteran, XXXX war and this is a VA loan too, before pandemic it was with XXXX  now its Carrington and they are terrible and rude and telling us we dont qualify for anything but liquidation and denied again for the 4th times ( see attached denial dates XX/XX/2022 stating we didnt make enough money when we actually do qualify but denied me again saying lender has no options and they are not obligated to offer us modification they keep contradicting their statements they even filed notice of trustee sale XXXX this year while we was in modification process and had a sale date on our home for XX/XX/XXXX at first then they now change it to XX/XX/2022. They denied me all the time regardless of what I given them which is everything they needed on time they want me to call them to tell them if we agree to liquidate our home, the only option they offered me all of them times ( see attached ) They said all options are denied no option what's so ever. The servicer is Carrington mortgage, and the beneficiary is XXXX XXXX XXXX XXXX XXXX XXXX foreign entity by XXXX XXXX which I dont understand how is the VA allowing them to be the deed holder? We want to keep our home we want to stay in it so please help me and my family
Consumer complaint received 2022-10-06
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. (MI)

In XXXX I started disputing a fraudulent account found on my credit report. I have recently filed a lawsuit against the company to stop collection on the fraudulent account and suing for damages and violations of my rights under FDCPA and FCRA. XXXX XXXX XXXX has been provided with the FTC report of Identity theft and police report. They have also been send demand letters for validation of ownership which were ignored. They also ignored a cease and desist to stop collection calls and statements being mailed. I disputed this account with the credit bureaus in XXXX and the account was removed from all 3 reports. Just this month TransUnion has added it back to my report after also being given all documentation showing this account was fraudulent. I am more than happy to also sue TransUnion in Small claims court for failing to remove this account entirely from my report. I have worked very hard over the past few years to remedy my credit score after bankruptcy. I was almost a 700 score when this account was added back on, dropping my score to XXXX, ruining the hard work I had done. I have been fighting trying to get this account marked as fraud with the creditor for 10 months. I am tired, frustrated, and at the end of my rope. My last resort is taking legal action, which I have started, I have no problem adding TransUnion to the suit or filing another. I have had enough dealing with this.
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXXBalance : {$4100.00} XXXX XXXXBalance : {$3400.00}
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-26
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that 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.

15. U.S.C 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681 what is 1681 s-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the info is in accurate.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have sent out a complaint in regard to this account from XXXX XXXX, I have sent them complaints and XXXX and XXXX already removed this thus I am demanding that this must be removed form My Experian Report Immediately!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-10-06
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: NAVY FEDERAL CREDIT UNION (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with NFCU that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. NFCU is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, NFCU is continuing to allow the financial abuse to continue. NFCU should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

My address on Experian XXXX and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo XXXX
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (GA)

Hey, I reached out to the debt collector in regards to this collection on my account it was advised they can not remove it. I definitely did not set up an account and this is fraudulent activity.