davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The law firm XXXX XXXX XXXX XXXX XXXX has been assigned a debt for collection by Capital One which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that Capital One refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the XXXX portion of the country -- on behalf of XXXX-based businesses, such as Capital One -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX XXXX.
Consumer complaint received 2024-11-06
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. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-03
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. (MI)

My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. Bank of America itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have the right to privacy under 15 USC 1681a ( 4 ). There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Violating these laws makes you civilly liable should I be forced to resort to legal action, pursuant to 15 USC 1681o ( a ) ( 1 ).
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

these inquires on my Transunion credit report should be removed they are fraudulent and weren't authorized by me 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 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
Consumer complaint received 2019-06-10
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: EQUIFAX, INC. (FL)

XXXX ran a hard inquire without my knowledge or permission. 


XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX I was trying to buy a product from someone online. I sent the money using XXXX as its through Wells Fargo and I thought I would be protected because its a transaction through my bank, however this was not the case. When I called to make a report of this I was greeted with a brick wall. The customer service rep was condescending and not much help as she filed my complaint. I never received any follow up through the course of their investigation. They closed my claim and didn't even notify me, I found out by calling to check on the status of the claim. Wells Fargo should be ashamed to partner/work with a company that offers its consumers no safety net. So I was scammed out of {$400.00} and thats unfortunate for me. Please, DO NOT SEND MONEY THROUGH XXXX!
Consumer complaint received 2024-01-16
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)

On XX/XX/2023 I was reviewing my consumer report when I came across some accounts that were incomplete and not accurate. I sent dispute letters to Transunion credit bureau as well as XXXX credit bureau, I then requested that they look into this inaccurate information that was being reported, for completeness and accuracy. I then received answers form both XXXX and TRANSUNION credit bureaus and noting was done about this matter. 

According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to.

According to 15 USC 1681 i ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation. Enclosed is a list of accounts that are not reporting accurately. XXXX  XXXX Bankruptcy account no : XXXX, Furthermore I am enclosing a letter from the creditor of this account which states that the Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies, also Account XXXX XXXX account no : XXXX Transunion Please delete these accounts immediately because of violation of 15 USC1681s 2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b )
Consumer complaint received 2024-01-16
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. (GA)

This is my other 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have repeatedly requested that Navient provide me with an application for the income based repayment plan. Annually they play a game of neglecting to contact me in any way about the need to reapply. They fail to provide the application to do so. They move me to a standard repayment plan, the monthly payments of which are approximately 1/8 of my annual income. When I call they force me to agree to forbearance under duress, and finally agree to send an application, which they without fail have neglected to do. Then they put me in default for not paying on the loan despite making every reasonable effort to keep my account current. The only barrier to my student loans being current is Navient and its potentially criminal and fraudulent business practices. My last complaint to the cfpb went fully unanswered by Navient. I got some obscure and bizarre letter from the cfpb about the delay in the response but waited and waited and waited for a response from Navient prior to moving forward. Im once again in default because Navient has failed to make an application available to me. I spoke to them again today requesting that an application be sent to me and I requested specifically that due to their previous malicious neglect, that they provide more specific information about when and how it would be sent and that tracking information be provided. I was transferred to a supervisor that refused to listen to anything I said and just obstinately refused to participate in the conversation. He additionally refused to transfer me to his supervisor because he didnt want me to yell at her. I will not ever again be speaking calmly to these people, and yelling is the only thing that will happen when I speak to them. This is directly the result of their refusal as a company to provide the most basic of loan servicing services required of them because Navient prefers its borrowers to be in default. I am done with the games. Please provide any information you can on how to pursue legal action and to have my loans either forgiven or transferred to a different servicer. Navient is deliberately and maliciously damaging my credit and I will not ever again be involved with any interaction between myself and them that is not a part of court records. This is unacceptable on the parts of Navient, the cfpb, and the federal government. Get it together or eat the $ XXXX and growing debt i have. My credit has already been destroyed. I will gladly swap to an off the grid, cash only existence for the remainder of my life and let you spend thousands of dollars attempting to collect a debt that Ive been begging to take care of for years now.
Consumer complaint received 2024-01-16
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of  limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks XXXX XXXX.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. Can you please check to see if any personal or business accounts are open are open under my social security number. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (FL)

I was informed by XXXX XXXX that they were an authorized XXXX  provider in the XXXX XXXX XXXX XXXX XXXX  Plan. They were listed in the XXXX provider directory as well. I made an appointment for a XXXX XXXX, I paid XXXX XXXX {$140.00} for the procedure. They told me the balance was billed to XXXX. Several months later I received a bill for {$120.00} from XXXX XXXX. They told me XXXX did not pay them so I must pay more. XXXX XXXX informed me that they lied to me and that they were no longer in the plan when the procedure was performed. 
I feel this is a scam, I could have had the work done for {$100.00} at 3 other XXXX providers. 
They have turned this claim over to an agency that has messed up my credit with a phony collection claim. 
I do not have the funds to fight them. 

Thank You for your help
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

First week of XXXX PayPal froze the funds in my account due to suspicious activity but refused to tell me exactly what. I tried to resolve the confusion because I knew I wasn't doing anything wrong by my boyfriend 's mom sending me money. They limited my account for 180 days no explanation. Once the 180 days was up they sent me an email saying my funds were finally eligible to withdrawal. When I tried to do that it wouldn't let me. I've emailed PayPal asking for help and only get responses saying i can't use PayPal and they can't tell me anything else. When I've called PayPal they also told me they won't release my money and can't tell me anything else. I don't know what to do. Over 700 dollars that is legitimately mine and they refuse to help me and are robbing me it feels like. Please help XXXX XXXX
Consumer complaint received 2017-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. 
The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. 
Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.
Consumer complaint received 2021-02-02
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. (IL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (IL)

I have a sale date coming up forXX/XX/XXXX, and I am really stressing out. Seterus offered me a modification with a higher payment in XX/XX/XXXXbut I could n't accept that one due to me not having a job or any income from my end. The only income was my wifes XXXX and during this time I was fighting to get Social Security income. Around this time XXXX XXXX and XXXX XXXX had created a new modification called the Flex Modification program. I tried applying for that one starting XXXX and they said I could not apply until XX/XX/XXXX. I applied for a modification and on XXXX they denied me for the Flex modification. I was waiting to receive the denial letter, and I never received it through mail. I had to get the denial letter faxed over to me. When I received it I told them that Seterus representatives had told me that the flex modification reviews would start until XXXX XXXX? Why was I denied so soon? Then I was advised I could submit a new packet for review. I submitted a new packet and they gave me until XXXX XXXX to submit any missing documents. I have been calling everyday and the file is still under review. They have all required documents and I have not been approved nor denied. A request to postpone the sale was submitted and they said the only way they will postpone the sale is if I get approved for a modification. The strange thing is that XXXX XXXX from Seterus stated that my file was being reviewed for a deed in lieu. I never specifically asked for a deed in lieu, I told them in writing to give me enough time to apply for a short sale or deed in lieu as a last resort if denied for the modification review. I called today XX/XX/XXXX and I was informed the request for sale date postponement was denied. They went back on what they had said and I fear that they will just deny me because of the sale coming up. They said that even if the file was under review and I had not been approved nor denied, they will still continue with the sale without giving me an answer. I tried for the flex and it didnt go through, I want to be given the opportunity to apply for a short sale due to a person interested in buying the property and me speaking with a real estate agent.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.