davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
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: Experian Information Solutions Inc. (CA)

I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} DXXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (CO)

I contacted the company and told them I need copies of all disputes letters because none of the bureaus are responding to any of the disputes letters. Come to find out letters were never sent. I have paid {$220.00} per month for 6 months and didnt get the service I paid for. No proof of letters sent or responses from the bureaus. I believe this was all a scam because I know if things were being done I would receive feedback. I tried calling her emailing her and all I get is an excuse but no proof
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

A debt under XXXX XXXX XXXX is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.
Consumer complaint received 2024-11-04
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a subscription to XXXX XXXX and was immediately asked to respond to verify the purchase. I did and was told via text ( you're all set, and nothing more you need to do to use your card again. If your card was declined, go ahead and try again. It should work this time. ) Needless to say I was not happy. And expressed that to Capital One Employee. 
I then received another text message saying ( Don't worry ... we're blocking new purchases on your card to protect your card. Any unauthorized charges will remain on you account until you report them and order a new card. Sign into your account. ) Transaction amount {$130.00} Transaction time XXXX XX/XX/XXXX XX/XX/2018 I have text to support my claims
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 1 problem its dropping my credit score and should not be.

1. ) Capital One credit card All payments where made on time. I've called capital one and asked about the situation they told me my account balance was {$0.00}, because its been payed on time. but the payment before the last payment stayed on my credit this is the payment made that still remains on my credit saying its not payed XX/XX/2018 {$250.00} My most resent payment was XX/XX/2018 {$300.00} its say between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   credit card balance increased by {$250.00} from {$0.00} to  {$250.00} I was wondering if y'all could fix this because its hurting my credit really bad. 


please get back to me credit went from XXXX XX/XX/2018 to XXXX XX/XX/2018
Consumer complaint received 2024-11-04
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Home Loan Center, Inc. (KS)

This is XXXX XXXX I was looking for a loan and was told by XXXX at XXXX XXXX it was possible to get a {$2000.00} loan using XXXX XXXX XXXX XXXX in Va. 
They sent me the contract and I filled it out, there was two ways of getting it approved and so I chose the second one of paying a XXXX dollars which would be refunded on XX/XX/XXXX, They wanted it on an XXXX {$100.00} card, which was sent today. 
Then I was told by XXXX that the money would be transferred into my bank account within the hour, it's a hundred miles home, after we got home, I checked my account and nothing was there. 
I then opened my email and found a letter from a XXXX XXXX with the Kansas Dept of Finance, XXXX XXXX XXXX  MANAGER, wanting {$160.00} plus {$8.00} for a stamp that had to be paid by XX/XX/XXXX. 
I called the zlending company back and talked to XXXX who had told me that he would call her and see if they could take it out after the {$2000.00} was put in. 
They closed at XXXX XXXX eastern time and right before that he called back and said it was denied. 

By this time I was suspicious and found the right number to call the Kansas Bank XXXX and talked to a community care person, who told me no one by that name worked there and it sounded to her like a scam, as no legal loan company would demand money. 

So I played dumb when I called the loan company back, they told me since I had refused to pay the {$170.00} I needed to send them an email saying I was not going through with it. 
Then when I got that letter back it said they could take {$100.00} back for cancelling the loan, so our {$100.00} XXXX card we sent would not be returned. 

I don't want others taken by these scammers and I think you need to investigate them thoroughly. 

I am attaching the letters, phone numbers and everything to send to you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (TX)

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Ms. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Equifax again went silent.
Consumer complaint received 2024-11-07
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. (TN)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

I moved in to my rental due to finical problem found out later it was Identify theft. I started a home modification in XXXX. it took 5 months for the go-ahead. They kept asking for the same paperwork I gave in the beginning. I made the 3 payments in a row. All the while I was getting foreclosure notices ocwen said disregard there not valid. I got a few and called in not valid do n't worry. So the payment where done. I received the paper work upon receiving I was rushed hurry get them back. Upon ready there was a balloon payment of {$27000.00}. the loan started at XXXX paid for 13 years XXXX and financed XXXX just to have a balloon of XXXX. They tried to sneak in. I called in and it was interest on interest. I denied and was goanna refi only to find out it was foreclosed on in XXXX so the lender would not touch. So now I 'm about to be kicked out. And the Kicker is there to blame for the Identify theft. They let some one assign themselves as account manager XXXX on my loans and they switched it around so I did not have access to my own account got. I Finally got the account back and had it done again in XX/XX/XXXX I was at a loss of how someone not on the loan could do that. I had to fight to get the account only to be months behind. I had to fight to get on like they where not my loans
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

My new tenant paid with a US Bank ck ... I took it to US Bank ... I was asked for two forms of ID which I presented ... I was told I would have to pay {$7.00} ... and then they requested a right thumb print ... when I asked for a receipt they refused to give me one ... I have rights ... I have to account for my expenses with the IRS ... I have a right to off-set my income with expenses and need a receipt for the expenses to do this ...

I believe the bank in charging me {$7.00} to cash one of their customers checks owes me a legal receipt ... otherwise what expense is the {$7.00} charge covering ... and how are they accounting for the income ...

personally I do n't understand why I have to pay to collect funds from their customer who wrote me a ( promised ) check ... my relationship is not with their bank I think all this ID is overkill and an infringement on my privacy but when they charge $ to cash a check they 're not just a bank they are a 'check cashing service I go to the tenants ' bank to avoid insufficient funds charges and avoid a bad relationship with my bank ...

I believe I have either a right to a receipt or better yet a refund.
Consumer complaint received 2024-11-07
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. (MI)

I just recently looked at my credit report on XX/XX/XXXX, XXXX i saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/XXXX. 
XXXX XXXX  ON XX/XX/XXXX These inquiries have no permissible purpose to be on my report. delete these inquiries due to violaton of 15 USC 1681b
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. (GA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-10-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (RI)

I filed a complaint against GM Financial - your complaint number XXXX. GM 's financial representative told me that they fixed the incorrect credit reporting. They did in fact fix my credit report. The reporting error is now back on my credit report - hurting my credit score.

I have exactly one derogatory mark on my credit report - this one.
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. (IL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) Inquiries : XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity XXXX Documentation
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

About two weeks ago, I recieved a call. The caller didnt identify herself clearly however asked for me repeatedly. She asks for my name and address. I told her Im not sure what this is regarding but to send a dunning letter regarding the debt ; to which she stated she didnt know what that was and hung up. To date, XXXX XXXX XXXX has placed a collections account on my credit report without send a required letter of validation to verify the validity of this collection. I also filed a complaint XX/XX/2018 with the Federal Trade Commision acknowledging my identity had been tampered with.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (UT)

XXXX XXXX/Resurgent Cap is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
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. (NY)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. 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 proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XX/XX/year>
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian was notified about possible identity theft and collection that doesnt belong to me, about a year ago. Police report was filed along with identity theft report. Collection was removed, but came back again a year later. 
Customer service is not available to fix the problem, website is constantly down, phone numbers are providing same recording that doesnt have proper prompts to address the issues. No sources available to fix the access to my credit report, to file the dispute, or access the company representative.
Consumer complaint received 2018-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent four letters dated XX/XX/18 to Capital One disputing late payments and the accuracy of those late payments on four accounts. I was very detailed in my letters which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received four letters from Capital One stating that the accounts were reporting correctly, information on when I applied for the accounts, and placed a disagreement code with a resolution of dispute on my credit reports. After I received the letters from Capital One, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. These accounts were not marked in dispute. I received letter from Capital one dated XX/XX/18 stating again that these accounts had been properly validated. I sent another letter dated XX/XX/18 to Capital One detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received letters from Capital One dated XX/XX/18 and XX/XX/18 stating they had completed their investigation and the accounts were reporting correctly. I pulled my Experian report again on XX/XX/18 and these accounts had been marked " Account was in dispute-now resolved-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of these accounts dated XX/XX/18 and all three credit bureaus reported the late payments were valid, and marked my accounts " Account was in dispute-now resolved-reported by subscriber ''. Capital One has violated section 623 ( a ) ( 3 ) of the FCRA by not providing validation and not marking my accounts in dispute within 30 days. Please see attachments for all correspondence regarding this matter.