davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} ; XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-15
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)

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 Have 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 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NC)

BB & T allowed a fraudulent checking/savings account to be opened up in my name. About 3 months the fraud was identified and the account has been blocked from additional activity. 

I keep getting notifications that the account is overdrawn. Ive called both a local branch and the BB & T fraud dept about closing out the account and disassociating me from it. Apparently, no action has been because I just received another notification threatening to report this to XXXX if I dont pay the overdrawn balance.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (KY)

ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX  page and the reviews are bad! I have ask and begged to the point I dont know what to do!
Consumer complaint received 2022-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX, Late payments are showing on the following on my credit report.

Capital One- Walmart 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Bank 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Child Support Enforcement 22 missed payments : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX In accordance with the fair reporting act, this creditor has violated my rights under 15usc 1681section 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 an account without my written instructions. under 15 usc 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. 

thank you XXXX XXXX
Consumer complaint received 2022-10-20
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)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX  XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( 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 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MN)

Years ago Navient was Sallie Mae. My loan went into default after a couple months not being able to pay. They directed me to a government program where I had to pay XXXX per month for 6 months before they could allow me to start repaying. After the 6 months they reopened my loan under the name Navient and added over XXXX to the balance of my loan. I tried to call the department of education years ago and they could offer me no answers as to why this was done. This seemed very illegal. They have had continual lawsuits against them and I would like to know how I can sign up for a class action lawsuit against Navient. They now are saying they are changing the name to XXXX
Consumer complaint received 2020-07-08
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. (NC)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2022-08-21
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. (AK)

I have previously reported XXXX XXXX, now they are being listed under a different debt collection agency as XXXX XXXXXXXX as an illegal debt tactics in an attempt to collect after being previously deleted. I was not notified of any additional documents or evidence to be added back to my credit report. Please delete or legal action will be taken. 

XXXX XXXX accounts were deleted XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC (NY)

I have had Mosaic as my lender since XXXX for my solar array attached to my house in XXXX XXXXXXXX, CO. I am currently in the process of selling the home, as a result of a lawsuit, and require the loan to be paid or refinanced by the purchasing party. I have contact Mosaic on numerous occasions. Just recently I spoke with 2 people and had two different email exchanges on XX/XX/XXXX. Now I have just spoke with another representative today XX/XX/XXXX after getting an email yesterday ( XX/XX/XXXX ) asking for information about the buyout, of which I do not have. Now, evening on XX/XX/XXXX they are asking me to fill out an online form for the requested information I have already sent them twice. It is also information that they need to get from the purchaser, not me.

On all three occasions they have all told me the same thing. You simply need to authorize the purchaser and they can do all the work. Each and every time they come back to me for more information that I do not have. Moreover, their cookie cutter emails have contact information that is no longer working and I get an automated response about when I follow their instructions. 

Closing for this house supposed to be Tuesday XX/XX/XXXX and we continue to be delayed by Mosaic, who can not keep track of my loan or the purchaser or the information I have already provided them with. It has delayed the closing the cost me more attorney fees.

Furthermore, they locked me out of my online account since I am not going to be paying the loan any longer, I have request a copy of my original loan agreement TWICE and they still have not sent it to me.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

I paid for prepaid credit to establish and build a Fico score while paying bills. It was taking Discover card so long to send a card after the payment that I told them to not open the account. I was told that I have no choice but to wait for the card. I began using it last month. In that month I paid as many bills as I could continuously making payments but Discover card was too slow in updating my transactions. This caused a double payment that left my bank overdrawn. I fixed it. That same payment went through again days later to Discover and probably remade by Discover and I fixed it again then making a smaller payment and taking care of the bank fee again. Next I was locked out from my online access to view anything while other payments were being declined when I have available credit for them not to have been declined however I dont even care about that. Im still locked out from my online access and have had to take care of other bills outside of using the Discover card. I need to for my personal records and business of my own view my own transaction records to know what was purchased and when but am disallowed. At this point I am deeming them as useless wastes of my time and setbacks. Bad business. Im demanding that they close my account and they are refusing to. Its all prepaid, my own money that I want put back into the account that they take money out of in my name.
Consumer complaint received 2020-12-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (AR)

In XX/XX/2020 my home loan was purchased from Ditech by NewRez. Since that time my home loan has not been reporting to the credit bureau. NewRez 's website states they have 30 days to start reporting. In XX/XX/2020 I called to find out why it was still not showing up on my credit report and they told me my account had been flagged bankruptcy when it should not have been and that they would fix it immediately. I then received a letter via email on XXXX over a month from when I spoke to them apologizing for their error and they would fix the problem and my home would report starting in XXXX. I have owned my home for over three years and the lack of credit reporting for 9 months has affected my credit in a negative way. I am asking that NewRez report my loan as stated on their website for the duration of the time they have had my loan.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-24
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. (NY)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX : Inquiries : XXXX XX/XX/2022 Experian : Inquiries : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022
Consumer complaint received 2020-07-08
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. (NC)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2024-09-03
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX violated my rights. This account is involved in litigation. It has lingered on my credit report for over a year. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX I Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 1681-4
Consumer complaint received 2022-08-21
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. (CA)

fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of Seedfi, XXXX or XXXX XXXX XXXX until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My balance on my XXXX statement was {$130.00} which was Due XXXX XXXX. On XX/XX/2021 I made a payment of {$1600.00}. The overpayment in the amount of {$1500.00} was to cover the XXXX bill of {$1500.00}. I was also charged a late fee and interest from the XX/XX/2021 statement. Late fee {$39.00}, interest {$34.00}. Total balance due for XXXX was {$1500.00}. I made the over payment because a representative from the company told me that the late fee and interest would be waived. Either way, the balance, if not waived, would be {$34.00}. I am now being charged a late fee for the XXXX statement because Capital One told me that I did not make a payment during the billing cycle. I made the payment in advance of the billing cycle by 1 day. I essentially paid them what was owed before it was due. They charged me a late fee stating that if I made the payment on XX/XX/XXXX, it would have counted toward the XXXX statement but because I made the payment a day early, it did not count. This is a crime. Capital One is stealing from the public using semantics to do their crimes. I paid them in advance and they are charging a late fee. This is a very small amount to file a complaint about. However, if this company is doing this to tens of thousands of people the amount of revenue they would generate is significant.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) DELETE THIS FRAUD ACCOUNT THANK YOU