davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

XXXX XXXX XXXX  sent items to my house that were not ordered or requested by me. I have never engaged with XXXXXXXX XXXX XXXX. They have called multiple times and sent multiple collection statements for items sent. It feels like a scam and I feel harassed by them. I am asking for all communication to cease and to stop all billing/collection attempts. 

Their latest communication was from Sunrise Credit Services , Inc on XX/XX/XXXX. The account statement was addressed to XXXX with XXXX XXXX XXXX XXXX XXXX. That is not how my name is spelled. 

They provided the account # XXXX on the collection notice. The phone # on the bill is XXXX. 

I did not contact them directly since I do not trust XXXX XXXX XXXX. 
Please help. 

Thank you.
Consumer complaint received 2024-11-07
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)

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 2023-11-06
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: Continental Finance Company, LLC (FL)

I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but Celtic bank fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
Consumer complaint received 2024-11-07
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. (TX)

I have contacted Transunion many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information. so many laws were broken on their behalf if you just look at my documents you will see.
Consumer complaint received 2024-11-07
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. (IL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} DPT TREASURY XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX - XX/XX/XXXX - {$13000.00}
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 agency 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, imediately Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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. (AR)

Per FCRA as a federally protected consumer Im opting out of any and all authorizations given to report my information to any XXXX  party listed on my credit report. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ) Per U.S code 6802 a financial institution may not directly or through any affiliate, disclose to a non affiliated XXXX  party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2024-11-07
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. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Complaint to XXXX Payments Limited and Chase XX/XX/23 I purchased a debit card from XXXX and paid a fee of {$9.00} using my Chase credit card. Chase charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair. 

See response from XXXX which I agree : We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customer used their Chase credit card to pay for their XXXX XXXX order, and were subsequently charged a cash advance fee by Chase. Please note that our review found that the Merchant Category Code ( s ) used ( 4829 and 6012, wire/money order ) were assigned for our role. XXXX does not issue or process cash, nor do we instruct any of our payment processors that we are using cash ; as such, most banks do not treat our transactions as cash advances. Additionally, XXXX discloses all of our own fees to our customers, and likewise a bank should disclose fees associated with their cards. In the event that a bank treats certain merchant codes as cash transactions, regardless of whether the merchant actually handles cash, we believe any related disclosures should be issued by that bank. We can not refund the fees ourselves, as it is assessed by the customers bank ; however, we have provided relevant information to the customer so that they can submit a request for a refund with their bank directly. XXXX is available to provide additional information upon request.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: January Technologies, Inc (FL)

Collection agency using broadcast email to fish for whomever it is that owes this debt. They are giving out personal information to the public which should be illegal. Either that, or this is some form of phishing scheme. Either way, it's illegal. 

Email Text : ===================================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is January reaching out again about your overdue balance of {$250.00} for the account ending in XXXX. As a reminder, we've been hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX and the current creditor is XXXX XXXX, XXXX. 

Paying back your entire balance might feel impossible. We understand that XXXX, inflation, or a loss of income may be affecting you. If you're experiencing financial hardship, you can apply for a settlement and ask to reduce your balance.

Request Settlement Check Our FAQs All you have to do is complete a 5 minute survey describing your finances. 

We'll never charge you a fee for using our payment portal. 
Complete the process online via our secure portal. 
Over 75 % of consumers who apply qualify for a balance reduction. 
Have questions? Reply to this email and we'll respond as soon as we can. Or call us at ( XXXX ) XXXX. 

XXXX is an accredited and A rated business with the XXXX XXXX XXXX  ( XXXX  ). It is also a certified member of the XXXX and XXXX. 

Best, XXXX at January XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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: NAVY FEDERAL CREDIT UNION (TX)

All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. XXXX XXXX - Hard Inquiry on my XXXX report- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX XXXX XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (AL)

XX/XX/2023 I logged into my Robinhood account from my new mobile phone. I went through all the necessary steps approving the device and even called their support team to approve this. My account was restricted as I attempted to withdrawal {$800.00} multiple times and it showed fraud. I then tried to make the amount smaller and withdrawal {$500.00} from the account and it did not work either and said that my account was locked due to fraud. I spoke with the customer service and the rep said it would be clear in 24 hours because of the new device, I also submitted bank statements, photo id, and pictures of myself to the company 5 separate times, Proving my identity and confirming my account. 24 hours goes by and I call back because I am having the same issues. They say a quick repair is to move the funds to the spending account and withdrawal funds from it. I attempt that and it locks my account down even further where I can not make any actions on my account. I call back on Monday the XXXX and the service rep forced me resend my license, my photo of my self, and bank statements again and said the account will be unlocked in 24 hours. I let 48 hours go by and wake up to an email from Robinhood stating my account was restricted even further. I login and states I have to re upload my ID and more pictures of myself to confirm it is me. I do this yet again and have no luck unlocking my account. I called back to customer service and they forced me to change my email and password stating that this would unlock the restriction on my account. I do this just as they ask and the account goes into further review. I then receive a voice mail from the company stating the review is complete and they need to speak with me. I call back 4 times and the reps say something different each time. But the one thing they all say is that my account will be sent in for review and take 7-10 days to recover. 3 service reps hung up on me with out any closure to the conversation and still did not allow access to my funds in this account which is {$52000.00} at this time. I have filed complaints with the SEC, the CFPB, and will be contacting my lawyer first thing in the morning to have my account restriction handled and to pursue a lawsuit against Robinhood for withholding my funds and not giving me access to my money, after proving my identity 6 different times, and doing everything the company asked of me. These actions by Robinhood have put my bank account in the negative, and left my family stranded on vacation. I have done everything that Robinhood has asked of me and still am. It allowed access to my money.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (MI)

I am a co-borrower on a spousal consolidation federal student loan serviced by Nelnet. The " primary '' borrower is my ex-spouse. We have been divorced a decade and he has never submitted a payment. 

I am currently awaiting the Department of Education and/ or Nelnet to implement processes under the new Joint Consolidation Loan Separation act, which became law in XX/XX/XXXX. Under this law, I **do not need the permission or concurrence of a co-borrower** to apply for and obtain loan separation, affording me the right to pay for only my portion of the loan. My situation meets the criteria for a separate application. 

Meanwhile, the loan servicer is required to allow me to enter an administrative forbearance period until the separation process is fully established. Nelnet refuses to grant me this forbearance, stating that I need the co-borrower 's permission to do even this. This is despite the facts that 1. Neither I nor Nelnet know his whereabouts ; 2. I am legally permitted to request and be granted the forbearance ; 3. The servicer is legally required to grant it ; 4. I am the exclusive payer on this loan, always have been, and am evidently the sole person contacted when payments are late ; 5. I have filed a complaint and my intent to separate loans with the Federal Student Aid Ombudsman, as the Department of Education has instructed joint borrowers to do ; 6. The Ombudsman has contacted Nelnet to inform them of my intent.

This loan, originated in 2001 -- 23 years ago!! -- now has a higher balance than its original, in spite of my making regular payments above the minimum due for over a decade. I am also currently paying on the individual loan which was used for my own undergraduate program. These two payments, my own loan and one over which I have absolutely no control although it's comprised of approximately 1/4 my own tuition ( my accrual was considerably less than my former spouse 's ), now total about {$1000.00} per month.

My hope is that with this report as well as my report to the Department of Education I may finally be granted my legal rights under the new Joint Consolidation Loan Separation Act.

Should you need to contact me and/ or Nelnet , this loan is in the ex-spouse 's name, and only my former married name ( XXXX XXXX XXXX XXXX is associated with it. I have his SSN as well as the loan number ( s ) available. 

Many thanks, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: CREDIT ACCEPTANCE CORPORATION (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (KY)

The company called and I spoke with an agent and had a adequate resolution. I forgot the name of the company because it is the first time I had heard the name. It's a 3rd party contacting me for XXXX. When I called right back the lady XXXX that answered refused to tell me the name of the company. She then was rude and hung up on me. I had to call again to find out the name of the company.