davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This has sconed complaint against XXXX and capital one to removed unauthorized hard inquires this a copy of letter i will attachment XX/XX/XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX, Im reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau XXXX CFPB XXXX, regarding hard inquiries you said are showing on your credit file. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how this is reflected in your credit file. If theyre unable to remove the inquiry completely, they XXXX change it to a soft inquiry. Soft inquiries do not have any impact on your XXXX XXXX. It XXXX take the agencies up to 60 days to update their records. 
You also mentioned in your correspondence that there was an inquiry from XXXX XXXX Bank on your credit file that you did not authorize. Please reach out to them directly regarding that matter. 
Furthermore, you stated you have contacted the CRAs to report your concerns about identify theft. I am glad you have taken that step. For more information regarding identity theft protection, please visit our website at www.capitalone.com/financial-education/identity-fraud. 
If you have questions or concerns about this account, please call us at XXXX. Our Customer Service XXXX are available XXXX hours a day, 7 days a week. 
Sincerely, XXXX XXXX, on behalf of Capital One
Consumer complaint received 2020-05-23
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: HYUNDAI CAPITAL AMERICA (GA)

According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2020-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

A brief history : * We closed out our loan with PHH Mortgage on XX/XX/2020. 
* We waited the 30 days or so for the escrow check to be processed. 
*First call to check on check status in early XXXX, told it was in the mail as of XX/XX/XXXX ; was asked by agent to please wait a few more days. I waited ~5 days, but did not receive check **Meanwhile, I did receive several other pieces of mail from PHH dated later than XX/XX/XXXX ( e.g. final escrow analysis ). Find out in later conversations that the escrow department has been sending checks to my street address but in XXXX XXXX not XXXX XXXX where I live. 
*I called again the next week XX/XX/XXXX, this time the call escalated to Mr. XXXX . He  said they would send a check. A XXXX arrived the XX/XX/XXXX with a check!! I then deposited that check only to find out a few days later that the funds were rejected by the PHH 's  bank, since the check I was sent had a stop payment placed on it. 
**My bank charged me {$12.00} returned item chargeback fee for the trouble *I call back again, XX/XX/XXXX to XXXX. Find out that PHH cut another check XX/XX/XXXX and then sent that check to my street address, but again XXXX XXXX, and they " will escalate '', with no promise on timeline Called yesterday XX/XX/XXXX for a status update, nothing back Called again today, XX/XX/XXXX for status update, again no progress
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Previously a victim of identity theft, as a result account with XXXX XXXX XXXX was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, XXXX is still pursuing this.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (TX)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 
XXXX XXXX of Te XXXX Balance {$7300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-07-30
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific inaccurate information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Consumer complaint received 2024-10-10
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to hardship I had a Capital One credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then Capital One reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

I have been using an overdraft protection app, and my bank PNC has blocked this app from linking to my account. My bank also rearranges my bill pay, and or large purchases to fall off so other smaller bills will come through, such as XXXX or XXXX XXXX monthly fees, ( these types of bills if the money is not there, the service is disconnected it does not cause an overdraft ) so by dropping off a large payment and letting these smaller bills go through, and then posting the large bill or purchase will cause an overdraft. I use these apps for this purpose, and now they have blocked this app. This is not legal, and PNC has class action lawsuits for this, apparently they have not stopped, please help me with this issue. Thank You
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion allowed a collections on my credit report that does not belong to me. The collections for {$140.00} from XXXX does not belong to me and is fraud. I have never had any involvement with such company. I would like for it to be removed my credit report. I reported to Transunion that my identity had been stolen within the last 3.5 years. I had not received any communications from that company named XXXX regarding this debt. Also, it has been difficult to contact an agent at Transunion to dispute this collections because they are not taking phone calls and I was unable to dispute online. That account that was placed on my credit report reads that the account was opened XX/XX/2019 and that was not me. Also, XX/XX/2019, was less than a year and I was not sent any prior communications from that company XXXX regarding such collections. And the date of that medical collections date is just 6 months ago and does not provide apt time for anyone to receive communications, dispute, and pay. However, I did not receive any communications and only knew of such collections due to an alert that I received.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

I applied for a refinanceon my conventional home loan over a month ago with the approximated date of XX/XX/2020. On XX/XX/XXXX I received an e-mail with documentation from Freedom Mortgage, that I signed in regard to a refinance. XXXX XXXX XXXX was the loan officer who sent me the documentation.On XX/XX/2020 I contacted Freedom Mortgage to find out the status of the refinance. I was told my refinancewas closed and I would be contacted in 24-72 hours. 72 hours has past and no one has contacted me.The loan XXXX XXXX XXXX XXXX did not call or e-mailme as to the reasonwhy the refinancewas closed. On XX/XX/XXXX I was told that the conventional loan officers are not taking calls. I have talkedto over 9 people at Freedom Mortgage with no resolutionoffered for my case. The last person I talked to stated that she can place a request for me to be contacted in 3-5 days. I am a XXXX with XXXX XXXX XXXX. Can you please help me. 

A home owner
Consumer complaint received 2022-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

FirstmarkXXXX  does not process loan payments correctly. I pay a small amount on the loan each day, to pay off the daily interest and some of the principal. I pay the amount at the same time in the morning of every day. 

The company does not process the payments in the same way every day. Sometimes I am charged random interest, on top of the daily interest. 

When the loan was owned by XXXX XXXX I did the exact same payment plan- never had a problem. 

This has been happening since 2020. I can not get the company to remedy the situation, and I am owed XXXX of dollars in interest that Ive been incorrectly charged and paid.
Consumer complaint received 2022-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank received XXXX payments for my Fixed Rate option as part of my Home Equity Line of Credit and misapplied my XXXX and XXXX payments causing my Credit Line to be revoked, negative reporting to my credit bureau, and late fees attached. I spoke with Truist on XX/XX/XXXX who corrected the payments ( reflected after processing on XX/XX/XXXX ). However, they have not yet reinstated my credit line, removed the negative reporting on my bureau or responded to inquiries to their XXXX escalation line made by phone and email. With hold times more than XXXX minutes, it is not acceptable to not respond to inquiries made via electronic communications including their website, XXXX and email. I need this to be resolved as soon as possible as they are restricting my ability to borrow which if not resolved, may impact my ability to borrow on other credit products. There has been no response from Truist at any level.
Consumer complaint received 2023-03-16
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)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-30
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. (DC)

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX via XXXX - XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2020-05-30
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. (PA)

XXXX various major data breaches across several industries were revealed including a XXXX breach of XXXX, I changed all of my passwords and attempted to secure my data XX/XX/XXXX An identity thief utilized my personal information to open an account without my consent or knowledge XX/XX/XXXX I received notification of an account that had been opened and had payment due ( {$3700.00} and {$500.00} ), I immediately called and notified them that this was identity theft and demanded the account be closed and voided. I requested confirmation of both in writing. 
XX/XX/XXXX Received another set of bills, called again and was told that previous call had been recorded, the account was closed and the bill was sent in error. Again requested documentation in writing and was told this would be mailed out. 
XX/XX/XXXX - submitted an identity theft report XX/XX/XXXX novel corona virus stay at home orders started in my state ( PA ) and I did not immediately notice that I had received nothing in writing from XXXX XX/XX/XXXX Received notice that my credit score had changed, immediately noticed a collections account that did not belong to me. Filed disputes with all major credit agencies, am again reaching out to XXXX to correct their issue and remove this unlawful account XX/XX/XXXX - Sent identity theft dispute letters to both XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX - Received notice from XXXX  and Transunion that they would not be treating this as identity theft and would remain on my credit report
Consumer complaint received 2022-04-06
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. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-05-30
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. (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Consumer complaint received 2020-05-30
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. (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.