davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries, nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. Please see the attached FTC Report and remove the unauthorized inquiries from my credit report.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm running into issues that appear to be blatant credit discrimination. I am a XXXX  with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I received an email from Capital One falsely stating a payment I made of {$3100.00} paid in XXXX XXXX had been returned on XX/XX/XXXX, due to a " Payment Account '' issue. 
I made a call to Capital One and got no where. I made a second call to Capital and got to a supervisor, with a XXXX XXXX representative on the line, who showed the check had been deposited and cleared by Capital One. I received images and a check number which was provided to the Capital One representative on the phone. She put me on hold 10+ minutes, came back on the line, said an investigation was initiated... but she had no case number to provide to me. 
I subsequently received two letters from Capital One denying my " request regarding a returned payment ... '' The latest letter dated XXXX XXXX, XXXX, was received today XXXX XXXX, XXXX after I sent two faxes, XXXX on XX/XX/XXXX and XXXX own XX/XX/XXXX. I provided copies of the front and back of the check showing it was deposited and cleared by Capital One. 
Capital One after all this refuses to acknowledge met payment cleared and has effectively stolen {$3100.00} I paid from me.
Consumer complaint received 2023-01-03
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2021-10-19
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. (WI)

I have items on my credit report that I would like to verify the information on. 
Industry Contact XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank Credit Cards XXXX FC XX/XX/XXXX XXXX Credit Unions XXXX XXXX XX/XX/XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Bureaus XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX Hard XX/XX/XXXX XXXX Banks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Other Than Personal XXXX Hard XX/XX/XXXX XXXX Banks XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XXXX  XX/XX/XXXX XXXX Mortgage Companies XXXX XXXX Hard XX/XX/XXXX XXXX XXXX Other Than Personal
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

on or about XXXX I called Capitol one to get advise to have XXXX XXXX added as an account manager to aid me when I was out of the country. Capitol one tried to get me to add XXXX XXXX to my account and give him a card. While talking to Capitol one on speaker phone with XXXX XXXX with me I refused to had him to my account or have him have a card. At that time XXXX XXXX already had 2 credit cards under his name with Capitol one. The person acknowledge it he was authorized to talk to Capitol one when I asked him to to resolve any issues just as someone at a company would have that option to clear up any matters. 

Where I go cell phone service it weak to none, landline are far and few. In fact I had an issue prior to having XXXX XXXX added as an account Mgr Capitol one would not talk to him they advised him to have me call collect. That does not work in the XXXX I tried I got the look go away they think I'm scamming them to make a call to the XXXX make them pay, THEY DO NOT UNDERSTAND THIS CONCEPT.. was stuck and screwed over by Capitol one. 

I also found out from XXXX XXXX that YOU CFPB Refused to help him out and Colluded with Capitol one helping them cover up their Gross Error and their Lies. 
XXXX. Capitol one has NEVER mailed anything OR called OR Left any messages of any sort to XXXX XXXX Per your report that you closed on him. Because of this Capitol one is still screwing up his credit report with my Credit Card that HE IS NOT AUTHORIZED TO USE. You sit there and tell him he is lying and so am I, when both of us were with the Capitol one rep as witnesses to their Fraudulent lies to force themselves on to his credit report. You get this fixed or I'm going over Your Head. XXXX XXXX is only an account manager to assist me when I can not. Do you get my understanding? this is my ONLY and FINAL WARNING. Capitol One Rep Steve over the phone told XXXX XXXX they unlawfully added him to my account without my Knowledge and forced a credit report under his name, that is FRAUD and ILLEGAL. Fix or or else. YOU WORK FOR ME NOT CAPITOL ONE.
Consumer complaint received 2021-10-19
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. (WI)

XX/XX/2021 XXXX XXXX  reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted XXXX mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!
Consumer complaint received 2023-01-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : Portfolio Recovery Associates {$560.00}
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OR)

I purchased an American express card in XX/XX/XXXX and XXXX cards on XXXX XX/XX/XXXX they were XXXX each. None of them work and the company won't make them right. 
XXXX each that won't work. The numbers are XXXX XXXX XXXX XXXX I asked them to XXXX  me replacement cards and they refused
Consumer complaint received 2023-01-03
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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. (AZ)

I have tried numerous times this year to solve an issue with Experian. Experian is reporting a Bankruptcy on my credit report that I have no knowledge of. I have reached out to XXXX XXXX and United States Bankruptcy Court on confirmation of the Bankruptcy. XXXX XXXX does not have a Bankruptcy listed for me at all and there is also a freeze on my report, so how was that possible. United States Bankruptcy Court does not do business with credit bureaus at all. I have asked several times for them to do in investigation on this but they refuse and lie about it being verified, but have yet to provide proof. The Bankruptcy is not listed on any other credit report. They also do not mark the Bankruptcy as being disputed at all, which I believe is unlawful. I have documents to go along with my complaint if need be.
Consumer complaint received 2024-08-24
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

The closing documents for my mortgage application were signed on XX/XX/2021. During the 3 day waiting period NFCU decided to pull out of the transaction citing they were unable to verify my employment. After submitting several verification letters from my employer and even going as far as hosting a three-way call between myself, NFCU, and our HR department, NFCU has persistently failed to accept any formal form of employment verification provided. Theyve even requested to speak to my direct manager knowing that this would not suffice in verifying my employment in an effort to stall the signing process.

Furthermore, NFCUs reps have failed to respond to countless contact attempts via phone and email. Ive requested callbacks regarding either moving forward or cancelling the process to several NFCU reps at all levels of the mortgage lending team only to be ignored. Ive explained the severity of the situation theyve have put me in ; from the thousands of dollars spent caused by their delay to the countless hours spent by myself, my realtor, and the sellers team. Whats worse is now NFCU has taken what little money I had saved and tied it up in their unknown process so I cant even move to another apartment. Without a sound response from NFCU regarding this delay Im beginning to believe this lack of guidance and care could be due to my name/race. There is no other reason that makes sense based on the circumstances at hand.
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc (SC)

The company Tate & Kirlin Associates , Inc was in charge of a charge off account that they told me that if I paid the debt not only would the collections account would be deleted off my credit reports they would also delete the original tradeline of the charge off a bank called XXXX XXXX. The collections account has been deleted but the original account has not. They now refuse to help me out and get the problem resolved
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (SC)

I need help with a loan that I have with Truist. Truist has been an absolute NIGHTMARE to deal with. I called customer service and got passed around from department to department just to get disconnected 5 different times! The branch leader in XXXX XXXX, XXXX XXXX, has been a nightmare to deal with too and worthless. Ive gone to see him 3 times in the past week because he never answers the phone, calls me back, or responds to email. Ive filed a complaint with customer service and was told Id be given a call this morning, and have yet to hear anything. Ive been trying to reach XXXX XXXX since last Thursday and have had to come in every time because I cant get him to respond to calls or email. 

My truck was stolen and I received an insurance payout and they sent a check for the remainder to Truist last month, so I didnt make a car payment. Then I got hit with a late fee for not paying. So I called to ask what the reason was and was told you Truist couldnt cash the check and I needed to go to my local branch. I go to my local branch and am told the title wasnt perfected because Truist was never listed as the lien. Ive had the truck for over 5 years and Truist was never on the Lien!!! Thats on Truist not me! 

So then I was told to go to the DMV and have them add you as the lien. Well the DMV tells me they cant give out a duplicate title for a stolen vehicle and that the only way would be to get the stolen status lifted which there is no way in hell the police are going to do during an ongoing investigation. And Ive contacted Truist over and over, and stopped by numerous times and no one can help me figure it out. I swear to God Truist better make sure that my credit score is not effected. As of now they have crushed my credit and I demand they do whatever it takes to get it back to the deserved credit score as well as cash the damn check.
Consumer complaint received 2023-03-23
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. (GA)

In accordance with the fair reporting credit reporting act, the list of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states i have a right to privacy. 

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX just totally refuses to properly launch an investigate on XXXX BY XXXX improper charges on customer master card. 

This request letter is being generated due to an ongoing issue with XXXX XXXX 's vending machine charge. On or about XX/XX/2022, I traveled through XXXX XXXX XXXX to XXXX. I experienced the above-referenced XXXX XXXX vending machine problem at the XXXX XXXX XXXX XXXX The machine did not disperse the selected item. As a result, I am attempting to reverse that transaction charge on my Capital One credit card. It is important to note that no consumer should be expected to pay for an item they did not receive. This type of transaction goes against fundamental consumer rights and is intolerable. 
Also, note, I attempt to contact another XXXX rep from a second phone number XXXX displayed on the machine but at that time this number was not staffed and required that the customer leave a message. At which time, I did. 

I called a XXXX representative at the XXXX number that was printed on the XXXX vending machine. The XXXX representative said she couldn't " disperse '' my money at that time but will investigate it more. I didn't provide the XXXX Representative any other means of contact at that time. She told me to wait a couple of days and keep an eye on my bank account for any activity pertaining to the vending machine purchase. The credit on my Capital One account has not changed, and there is no sign that the problem will be remedied due to not getting the item charged to my credit card, I requested from the XXXX vending machine. I am requesting that Capital One investigate this matter and return a full refund for {$27.00} to my Capital One credit card ending XXXX. 

Affixed to and made a part of this request letter is a copy of the travel itinerary XXXX XXXX, which has a total of three pages, and an image of a phone call log for calling the XXXX vendor operator at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

I am confident that the vendor machine purchase will be reversed successfully upon a complete investigate of this matter. If you have any questions or concerns, please do not hesitate to reach out. Thank you for your attention to this matter.
Consumer complaint received 2021-06-04
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. (FL)

These arent not mine. They are fraudulent. Please remove as soon as possible. 

-- -- -EQUIFAX XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019