davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on me credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.
Consumer complaint received 2022-04-25
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. (TN)

This is XXXX XXXX and I am submitting this complaint myself. No third party is involved with this consumer complaint. 

An account ( XXXX XXXX XXXX ) was reinserted after it was previously deleted, and I was not notified by Transunion five days after or given certification that the item was validated properly.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report XXXX XXXX
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contact Transunion multiple times for trying to dispute information. It said I could complete the dispute for free ; however, Transunion keeps making me trying to pay. 

XXXX XXXX XXXX has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with Fraud ATT Packet and police report. Initially, the company removed from credit report and the placed it back 2 months later
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We have a joint travel credit card account ( husband is the primary account holder ) and his personal credit card through Capital One. 
Accounts were unexpectedly closed, without notice, on XX/XX/XXXX Saturday. Once we were aware of the credit card closure on XXXX accounts, we immediately called Capital One customer service. The bank representatives, supervisors, and managers did not fully answer our questions nor provide exact details on why the accounts were closed without notice. The bank stated they sent a letter by mail on XX/XX/XXXX ( labor day weekend ), which was not received until Tuesday, XX/XX/XXXX. 
The bank has continuously stated that the account is permanently closed because it is not consistent with their expectations and violated the customer agreement as stated by the letter and representatives. 
The reason for the closure on the travel card was due to a mistake in a routing number ( from a different bank- XXXX XXXX ) in payments toward the credit card balance that was ultimately refunded at least XXXX separate occasions. We were advised by a manager on XX/XX/XXXX to contact XXXX XXXX to resolve the routing issue. 
We were not given any prior notice that we were violating an agreement with the bank. We make it a goal to continuously pay off our balance and have kept up with payments each month. 
On Tuesday XX/XX/XXXX, we requested to redeem our travel miles and points which we saved up and the main reason why we opened the account with the bank, but were thus denied since the closure was permanent and authorized by the bank. We requested to speak to another supervisor, they informed us that we had a small chance of opening the accounts again. They advised us to first pay off the balance entirely on both accounts and contact Capital One again in XXXX business days. Immediately, we paid off the travel card balance of {$580.00} through a savings account that Capital One was familiar with. We also paid off the balance for the personal credit card of {$170.00}. 
On Thursday XX/XX/XXXX, we contacted Capital One and were informed that the XXXX accounts would remain permanently closed. We have made it a point to notify the bank that the personal credit card has never violated any agreement and the reason for closing the personal card was never explained. 
The primary reason we chose to open our account with Capital One was to improve our credit. Secondly, for the rewards offered. The closure of XXXX accounts will greatly affect our credit scores. 
Personally, it feels like an injustice to have our credit damaged and our miles ( rewards ) revoked despite never having a previous issue and making sure our payments were always on time.
Consumer complaint received 2022-04-25
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. (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 an 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX Credit Report XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Prequalification for Credit Card XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report
Consumer complaint received 2022-07-12
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 accounts or information which is found to be opened due to identity theft. The dispute 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.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C section 602 A. States I have the right to privacy.

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report XXXX XXXX
Consumer complaint received 2022-07-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MI)

According to paperwork provided by the student loan servicer, I only owed {$100000.00} as of XX/XX/2022. Despite being in the pandemic interest forbearance, the loan servicer now reports that I owe {$110000.00}, I noticed this when I checked my credit report. 

Each of my loans had a discrete amount added to it to total {$3500.00} since XX/XX/2022. This is impossible because all of my loans are subject to the interest forbearance. 

The {$100000.00} amount as of XX/XX/2022 was provided to me via paperwork obtained after a 6 month fight with the loan servicer for complete documentation of the loans. The aidvantage website says I owe {$110000.00} which is incorrect. 

I noticed this discrepancy on my credit report ( obtained via experian ) which reported {$110000.00}. The credit report is incorrect as well, and these are the only student loans associated with my account. 

This is fraud, and I have reached out to the student loan servicer and the US dept of education through FAFSA complaint. I had to call FAFSA because their online complaint system reported an error and would not process the complaint. 

I can't reach anyone on the phone at Aidvantage and their phone system will not report the balance to me through its automated system. I attempted to call numerous times on Friday, XXXX, however, they keep pushing me to their voicemail and I have not received a call back from them. 

I did receive an email that they are looking into this, but considering this is FRAUD, I wanted to report it to the CFPB due to the difficulty I had obtaining the documents originally, and how it is impossible for these loan balances to increase due to the interest forbearance. This is literal fraud, and punitive damages should be considered by the CFPB for predatory practices and Aidvantage should be investigated for any other students they have done this to. 

You can see a full description/explanation in a XXXX video posted here XXXX XXXX XXXX XXXX which I intend to continue advertising and circulating until this FRAUD gets the attention it deserves.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Synovus Bank ()

Sent a international wire transfer for XXXX USD changed to XXXX XXXX  from Synovus bank, XXXX XXXX XXXX XXXX XXXX XXXX, Fl branch on XX/XX/2022, told usual delivery in 24-48 hours, delivery date XX/XX/2022, to my bank account at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX branch XXXX Monies were never received by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Multiple phone calls to Synovus brought no resolution, I was told by the international transfer department that we sent the money, there is nothing else we can do. 
Tracking brought no answer, I called the intermediary bank XXXX XXXX XXXX and was told they could tell me nothing since I was not a client of theirs.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-07
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 information is inaccurate.
Consumer complaint received 2022-04-24
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and XXXX has violated my rights.

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
Consumer complaint received 2022-07-12
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX OF XXXX  XXXX XXXX : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Bankruptcy XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-24
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: TD BANK US HOLDING COMPANY (OR)

To whom it may Concern, My name is XXXX XXXX. I had a credit card with Target. Target harmed me big time. I had an emergency trip back in XXXX due to my father in law getting XXXX XXXXXXXX XXXX. I called them from XXXX and I paid my balance. Apparently, they didn't note my account that I paid in full and took the money but didn't notate the account. After 2 months they called saying that I have late fees. I was shocked and asked them to send me statements and they never did. After few months a lady named XXXX called me and said your account is in collection and you owe this much but if you pay we will do a pay to delete. Being XXXX watching out for my father in law and not getting statements to know what's going on was for their favor. They harmed my credit. Never notated my account of payments made. When I came back to XXXX i saw that my account was not deleted as promised and when I called the lady was rude and she said oh XXXX left. I can't do anything for you. That's unfair. The ruined my credit, never notated my account that everything was paid. kept adding unfair fees and never deleted the harm of my credit report. I have faith in you guys and would really appreciate if you can help me with this matter. I spoke with Target and told them what had happened and they said call credit Bureaus and again credit bureaus say call Target. I'm really hurt and sick of this nasty game call so and so and call this and that. 

Regards, XXXX
Consumer complaint received 2022-04-24
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. (CT)

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. Wakefield Associates 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXXXXXX This credit card collections is not mine. 
1. XXXX XXXX