davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Reporting company used your report improperly
Company: Atlanticus Services Corporation (CT)

In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 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 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please help me and my family. I have contacted Transunion over 13 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Transunion XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help me and my family.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I disputed the below information with Equifax in XX/XX/XXXX about this XXXX XXXX account being in error and they failed to investigate fully and remove from my credit report I took out a loan in XXXX with XXXX XXXX. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, Equifax XXXX and XXXX XXXX to dispute this. When they investigated it XXXX XXXX continued to verify that I was past due and did not make the last payment. I have disputed this directly with XXXX XXXXXXXX as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.
Consumer complaint received 2023-08-19
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. (GA)

Goodevening, According to the FCRA, i have a right to dispute inaccurate information and errors on my credit report. I have two UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT AND EQUIFAX HAS YET TO REMOVE THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. Legally, unauthorized items and inaccurate information must be removed immeditately. I have contacted equifax numerous times to remove the information that i have NOT AUTHORIZED. I am reporting to CFPB because i demand to get these inquiries removed immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

In or around XXXX, I had a Chase checking account, the account was closed for suspicious activity when I was helping my mother, who was working cleaning houses in the US deposit her earnings and I would pay her bills ( She did not have legal status at the time ) My account closed and I never followed up with chase but that was the reason they gave me. 
In XXXX, I tried to open a business checking account and was denied, I received no reason. 
In XXXX, I applied for Chase Saphire Preferred credit card and a Chase business credit card, I was approved without problems and for about 75 days I had the credit cards, I paid them on time and kept low to XXXX balances. 
In XX/XX/XXXX, I randomly logged in my account at XXXX and it said all my credit cards were closed. No reason given.
Consumer complaint received 2022-07-16
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: LEXISNEXIS (GA)

Applied for credit for a personal loan. Credit Bureaus advised a bankruptcy was on my credit and verified by lexisnexis. This is incorrect information. I want to know how this information is being reported on my credit report. This is hurting my chances of obtaining credit.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION (PA)

Subject : Request for Reclassification of Dispute Numbers Dear [ Recipient 's Name or Department ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent. Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards. It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details. Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. Best regards, XXXX XXXX
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Under the fair reporting act I have the right to be informed 30 days prior to any negative report against me I clearly showed u that I was in New York XXXX XXXX 6 months prior from your letter of your purchase of debt I have requested numerous of times that your show me proof of purchase or payments made bi me which I am allowed bi New York State fair credit act of 2021 including payment history and none has been provided other then a sheet of paper with an amount .. and a letter state your purchase of debt..
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I contacted TransUnion online on XX/XX/XXXX to unfreeze my credit report so my lender could process an auto loan. During the process I was tricked into signing up for monthly credit monitoring and then received an alert from my credit card company that a {$29.00} charge was put on my account. I called TransUnion on XX/XX/XXXX and was able to cancel the subscription but they would not reverse the first charge of {$29.00}. I want a refund.
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Consumer complaint received 2022-09-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Account # XXXX XXXX & # XXXX To be honest with you, I have no idea regarding this company because if my student loans were sold or transferred to someone else I would have gotten a letter etc. I never got anything from my original lender etc. I have no idea regarding this company etc. I've tried reasoning with them to let them know I was never informed etc. 

XXXX XXXX-I 've filed with all three bureaus and of course, nothing was done with them- certified mail never heard anything back. Looked at my report all they stated is the other party disagree. I requested specific documents with my signature but never got anything back from the company and the 3 credit bureaus.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

I have filed complaint # XXXX with Shellpoint mortgage company. The response was inadequate. I would like to know what NEW rate was used between XX/XX/XXXX until XX/XX/XXXX and what index was used? I am examining my Specialized Loan Statements and they don't correlate correctly.
Consumer complaint received 2022-09-24
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I dont have any knowledge of any debt of my credit report I just start to get into building my credit and I see that I have 3 collections I have no knowledge of and that I for sure didnt sign for and Im trying to delete them so I can start my life in full swing so can you please help me
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.
Consumer complaint received 2022-06-26
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)

I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (NY)

The mortgage company escrow dep. was supposed to pay our new insurance carrier for our home owners policy, they claim to have done so 4 times, each time the insurance company indicates they have not received the funds. We found the first 2 checks were sent with incorrect policy numbers despite me confirming the correct policy number the second time. Now the mortgage company keeps telling us they paid and when asked for calls back, and copies of checks front and back they claim they called and sent emails but we never received anything. The only time I received anything was when I had them send an email while I was on the phone with them. I have requested a copy of the back of the check they allege now was cashed on 3 sperate occasions and they said they would email the back of the check. I still do not have the evidence the insurance carrier is asking for so they can track the payment and match it to my account. 
I have spent hours on the phone making attempts to resolve the matter with out success and am disgusted that they keep telling me they call when they didn't and that they emailed us when we check our junk and spam and yet when we are on the phone it works fine. 
My Mortgage company is Midwest Loan Services on behalf of XXXX XXXX XXXX The missing check is for {$1100.00}
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank has restricted access to my credit card as well as stated is has been closed through an adverse action letter, i have been given misleading info about the reason my account was closed my account has been restricted while in middle of billing error along with late payments being reported againstt the account having fraudulent charges on them i disputed the charges my balance was updates yet i am still not able to have the restriction removed nor will they grant me access to my credit card available balance adverse action against a consumer in a consumer credit transaction is illegal and i demand a reinstatement of my account
Consumer complaint received 2024-10-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (VA)

Failure to Respond to Dispute Request - Immediate Removal of Accounts As of today, these companies have failed to respond within the legally required 30-day period. Under FCRA 611 ( a ), creditors and data furnishers are obligated to investigate disputes and notify credit reporting agencies of the results within this time frame. Given your failure to comply with federal law, I now demand that you immediately remove this item from my credit report. If this issue is not resolved within 10 days of receiving this letter, I will take further action, pursuing legal remedies for damages. I expect a confirmation of the removal of these accounts. Should you fail to act promptly, I will have no choice but to escalate this matter. I trust you will act swiftly to rectify this situation. 


XXXX XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX DEPTEDNELNET XX/XX/XXXX account # XXXX XXXX  XXXX XX/XX/XXXX account # XXXX
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

Previously filed complaint CFPB XXXX XXXX : XXXX Ref : XXXX XXXX obfuscated. Company acknowledges {$500.00} from XXXX was credit to each of our accounts, but refuses issue us the funds and asked we get the money from XXXX in there response. There is NO RECORD of Serve making any such return NOR have they provided any record. In fact, there response DOES NOT MENTION that they return the funds to XXXX. They need to return the {$500.00} to each of us that was properly credited and acknowledged by them. If they did unnecessary and potentially illegally return funds to XXXX, they need to provide a written record and contact information from XXXX that acknowledges XXXX received the funds and it is to be credited to us. XXXX has no record. The number for custmor service and asset protection is XXXX ( XXXX ) XXXX. There appears to be serious negligence on the apart of Serve and obfusaction by their legal team addressing this complaint.