davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and University Accounting Service ( UAS ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, UAS, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or UAS reported the delinquency to XXXX 

On or about XX/XX/XXXX, I entered into a repayment plan with UAS,  agreeing to pay {$55.00} per month on the loan. Neither XXXX nor UAS reported this agreement to XXXX 

A few months after entering into the repayment agreement, UAS changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or UAS reported to XXXX that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and UAS. They have informed me that they would " fix '' the situation. XXXX and/or UAS reported to XXXX that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or UAS.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXXl XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (SC)

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (CA)

i bank with discover.com with checking, savings & credit card accts. overdraft protection is set up for checking by savings acct. appreciate that discover waives almost all fees. however, they keep sending paper letters to notify of insufficient funds in my checking acct, even with just {$1.00} insufficient amt. 
time & again i wld leave complaint msgs & they wld just say it's their policy. i wld mention abt the green new deal, or save time, effort & pay, it's a wasteful policy, etc. besides i'm enrolled in overdraft already so why notify me still? i get emails also & by the time i get those paper letters, the overdraft transfers were made already. so those ppr notices only go straight to the wastebasket unopened. 
so which part don't they understand? i even asked if i cld write to their superiors or even to discover 's president. idk how long patience can go far. thus, i'm doing this as you had helped me in the past & hoping you wld do the same with discover. it may seem unimportant, but they shld at least cater to my request. family members hv the same issue. 
thank you!
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (GA)

On XX/XX/XXXX, I transferred money from my Credit Karma savings account to my external bank account that was linked.The amount was {$940.00}. It shows on Credit Karma that it arrived in my XXXX account on XX/XX/XXXX. There is no money. I spoke with several Credit Karma reps via email and over the phone, and they told me XXXX is at fault, or that I can speak with their specialty team. XXXX has no record of this transaction pending, or even existing. Credit Karma has said they would escalate it but refuse to put me in contact with their higher ups to resolve this, they said they cant dispute it since theres no proof the money didnt land in the external account, and various other excuses. I have provided proof to them it did not land in my account like they asked and they still will not dispute it or refund my money. I am out almost {$1000.00} because of this. I am not the first person they have done this to if you look online. They are embezzling money from the customers that bank with them I believe. And when asking if I can dispute this, they told me theres no way to since its in my account. They also claimed XXXX told them they have my money, and when I asked for proof of who they spoke with at XXXX Bank and the email showing this, they couldnt provide me with anything. I just want my money back.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXXXXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX ] XXXXDate of Inquiry : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

On XX/XX/2017 I provided XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) the required written notice, within the required time, to formally notify them that I was exercising my right to terminate the Apartment Lease Contract between me and XXXX XXXX XXXX as was outlined under paragraph 31 of the lease contract ( Responsibilities of Owner ) for their failure to perform timely maintenance. Rent was paid in full and no amounts were due through my last day of tenancy ( XX/XX/2017 ). They clearly failed to perform on more than one occasion for the same issue never being addressed until after my notification of termination. Despite multiple attempts to inform their corporate billing offices of the situation, the information was ignored and never resolved in the manner it should have been if they had a legitimate dispute. Incorrect billing of amounts not owed was passed on to XXXX XXXX XXXX for collections resulting in an false unpaid amount of {$2300.00} being reported as derogatory on my credit report. Extensive documentation is being included with this complaint.
Consumer complaint received 2020-05-08
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX/XXXX XXXX {$580.00} XXXX XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello, I have a capital One credit card. Ive had this credit card line over 10 years. I recently had a late payment 0f {$25.00} on XX/XX/XXXX. I then paid {$240.00} on XX/XX/2020. at the time I was sick due to my XXXX and not working as much as I needed to, so I didn't have the minimum balance to pay on the credit card. this was also the beginning of the COVID-19 pandemic. I work for a majorXX/XX/XXXX and my hours had been drastically reduced along with me having to be off sick most days. once I received a check I put a significant amount on the credit card 4 days later. prior to that I had not been late in a long period of time.Ive contacted capital one on three different occasions asking for this late payment removed as a courtesy. I waited on hold two hours each time. The first agent told me it was not possible for them to remove the item ; which is not true. The next agent didn't even bother to assist me and was very rude.The third agent says she tried but the system would not allow her to remove it and she didn't know why. I no longer know what to do or who to speak with to resolve this. To show good faith I had the third agent put my account on auto pay to prevent a late payment from happening in the future. Even after doing that I was still left with the late payment on my account. I am a single mom trying to purchase my first home for me and my child, im working hard to settle my debts and get my credit in order. I am desperately asking for some assistance in doing so.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capital One is constantly making inquiries about my credit and it causes me credit score to drop ... I have not applied for a credit card from them so there should be no need for them to always make inquiries. I attached an image showing 2 inquiries in the past several months and looking at my credit report see that Capital One makes yearly inquiries and it takes 24 months for them to be removed. 

I do not have a Capital One credit card or any other type of credit from them.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$360.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( Transunion ) XXXX. XXXX, XXXX {$150.00}
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2020-05-08
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. (AR)

A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2020-05-08
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: EQUIFAX, INC. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020, Experian stated the inaccurate Chapter XXXX Bankruptcy listed on my report was verified by XXXX XXXX. Additionally, on XX/XX/2020, Experian stated " relevant information '' was needed for a re-investigation. A copy of a letter from XXXX  XXXX, dated XX/XX/2020 was mailed to Experian which stated, after a re-investigation, XXXX XXXX was unable to verify accuracy of bankruptcy and removed the record from my XXXX  XXXX  report. Experian acknowledged receipt of the letter via their website by opening bankruptcy dispute on XX/XX/2020 and modified it XX/XX/2020. Experian opened an additional bankruptcy dispute on XX/XX/2020 and modified it on XX/XX/2020. On XX/XX/2020 Experian stated the bankruptcy dispute was still pending. On XX/XX/2020 Experian falsely stated the " company '' that reported the information to them certified the information was true. Experian exhibited unethical business practices and a violation of my rights by not identifying XXXX XXXX as the data furnisher as previously stated and falsely claimed the Chapter XXXX bankruptcy was verified. On XX/XX/2020 in response to CFPB complaint # XXXX Experian continued to make false claims by stating the " public record vendor '' verified the information. Experian exhibited unethical business practices and made false statements in an attempt to continue to violate my rights. Experian has knowingly been in possession of the deletion letter from XXXX XXXX since XX/XX/2020 and has maliciously and unethically chosen to ignore the provided information and not act upon it per the rules and regulations outlined in the Fair Credit Reporting Act. Experian is well aware that the " data furnisher '' and " public record vendor '' they have skillfully referred to is XXXX XXXX. This has been done in an attempt to mislead the Consumer Financial Protection Board and allow them to continue to violate my rights.
Consumer complaint received 2020-05-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.