davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Previously, I opened a secured credit line with Capital One : On my credit card and also on my account, the name associated with the account is XXXX XXXX XXXX. I am XXXX XXXX XXXX. 

Therefore, a week an half ago, I opened a checking account. I told them that I noticed that my account said XXXX XXXX. There are at least XXXX XXXX XXXX in the world, and my father is XXXX XXXX XXXX, and He also goes by XXXX XXXX. 

Do you the problem? As I wish that my debit card and my account information state XXXX XXXX XXXX like my credit card with capital one. 

I wish to know why my debit card states XXXX XXXX when I am XXXX XXXX XXXX. Also, I wish to change it to XXXX XXXX XXXX, and I told Capital One the same story. 

Thank You.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX XXXXXXXX XXXX ( XX/XX/XXXXXXXX XXXX {$1100.00} ) XXXX XXXX ( XX/XX/XXXXXXXX XXXX {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXXXXXX XXXX {$1200.00} XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX ( XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XX/XX/1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXXXXXX XXXX XXXXXXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF 1974 15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805
Consumer complaint received 2023-12-09
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. (LA)

I have sent proof that the balance is incorrect on 3 times to XXXX and Transunion and they refuse to remove the inaccurate info on my credit report. XXXX and XXXX have both removed this inaccurate information but Transunion refused to properly investigate this matter. The account is for XXXX XXXX and the balance they show is {$620.00} which is not correct. It should have been closer to {$300.00} because I have made payments to the original creditor after XXXX is stating they bought the debt. The original creditor informs me that I dont even have an account with them and it shows that it was closed with no balance. Im not sure where XXXX came up with their amount. the only proof they keep showing me is an old statement from the original creditor that was not even the latest bescause I have a more recent statement that shows the balance being wrong. I never had any type of account with XXXX so why are they lying and reporting false information and why hasnt after 3 times that Transunion won't do a proper investigation. They keep sending me letters that shows the account is accurate despite the proof I have sent them. 


I have attached the latest report after sending proof of an incorrect amount and the proof that they did not remove it off of my credit. 
I am also sending the last statement from the original creditor
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

On XX/XX/XXXX @ XXXX Hawaii XXXX. I called TransUnion at XXXX and spoke with XXXX from XXXX XXXX XXXX. I asked to XXXX ) speak to a supervisor and she states " I can't transfer a call from this department ''. She instructed me to hangup and a supervisor will return my call. XXXX insisted that she can help me. She suggested that I 2 ) use an old account " XXXX '' XXXX ) an create a " New Password '' I informed her that I have already created a new account! She XXXX ) give me a temporary password " '' XXXX '' via email and XXXX ) temporary code " XXXX '' via email. XXXX ) She said to use the New Password and that she will give me what I need to put in " XXXX '' I said " This is unethical. '' Why do you need access to my account! I hung up and c/b to speak to another supervisor " XXXX '' XXXX Who deleted the old account, created a new account. I informed her that I was XXXX ) blocked from using TransUnion. XXXX had me use another brower XXXX ). I was able to purchase a credit score 9 ) Informed XXXX that I will file a complaint XXXX ) XXXX says that she will followup with the XXXX XXXX opened on XX/XX/XXXX and Hawaii XXXX XXXX XXXX XX/XX/XXXX, both account still not updated, XXXX ) haven't heard from XXXX and I haven't seen any changes. XXXX ) STILL trying to update my information. XXXX ) Notified XXXX XXXX XXXX on XX/XX/XXXX spoke with XXXX via phone, by law the banks has 15 days to report a new account and XXXX XXXX spoke with XXXX via phone XX/XX/XXXX and TransUnion Via phone XX/XX/XXXX @ XXXX spoke with XXXX XXXX XXXX will XXXX ) send me a letter to confirm current address ( see attached ) letter rcvd and confirmed. XXXX ) unable to update my information on TransUnion website bc I'm blocked.
Consumer complaint received 2023-12-09
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. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by Wells Fargo according to the three major credit reporting agencies. 

When I called Wells Fargo in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from Wells Fargo as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your help with this issue.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.
Consumer complaint received 2023-12-09
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. (TX)

I do not recongnize these credit inquiries and I have asked for them to be removed. The bureaus did not do as I asked. I am providing an identity theft report which I will attach to this and I am requesting them be removed because it is inaccurate and not mine.
Consumer complaint received 2023-12-08
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)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been in an ongoing dispute with Transunion, XXXX XXXX and now XXXX XXXX. the initial problem started when XXXX XXXX reported me as 30 days late, which I was not. Transunion lowered my score by 32 points. I contacted XXXX XXXX and was only referred to Transunion and to date I have nothing. Now XX/XX/2017 I have another battle with XXXX XXXX over a misapplied payment and Transunion lowered my score by 45 points. This is a scam and Transunion should not be allowed to get away with it. I simply do not understand how my score can be lowered by so much for a missed payment but when my payments are made on time I barely get 5 points. I need to see the scale that is being used becuase I feel scammed. I can never get anywhere with transunion. Their customer service is horrible.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX has reported inaccurate balance and credit line amount and the length of account and also the incorrect credit utilization which I had told XXXX and they have now fixed the information in which they have reported the correct information to XXXX and XXXX which you will see in the documents I provided I had been talking to XXXX about the errors on my report that they submitted and they told me that they was working with the credit bureaus to fix the issue and I had disputed the information that is on my credit report with Transunion they said they did an investigation and decided to keep the inquorate information on my credit report which is hurting me and effecting me from being approved for loans and credit cards and i know they did not investigate my dispute because if they had they would have been told the information is incorrect from the creditor Transunion also have my credit account with my bank inaccurate as well they are reporting I have a 44 % credit utilization and a balance of {$220.00} which is also inquorate which you can see in the documents I provided I have zero credit utilization and no balance so all the negative statement 's that they have is hurting my credibility which I wanted to apply for a loan which if they had the correct information reporting i would be able to get a loan but because they have the wrong information that's negative my score with Transunion is XXXX but with XXXX its XXXX and with XXXX its XXXX but Transunion is XXXX and steady dropping by the day which is unfair to keep this inquorate information on my credit profile i have explained to them that they are reporting wrong figures and they are still not doing anything about it just letting it sit on my credit report and they have not verified these accounts which congress said they must do if a consumer disputes any information they have for the public to see. which they can be fined because i told them and i sent documents that XXXX have written to me telling me they are fixing the account information and they even said I'm supposed to have XXXX utilization which they apologized to me and that would have been found if Transunion investigated but they didn't so they are deliberately furnishing this inquorate information knowing its hurting me which I've worked to hard to get my scores to rise and ive been doing just what I'm supposed to and for Transunion to continue to furnish this incorrect information is cruel and i don't deserve to be placed in this way because they are hindering me from getting ahead
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ XXXX
Consumer complaint received 2023-12-09
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. (MI)

On XX/XX/2023 I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.
Consumer complaint received 2023-12-08
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX  monthly into an escrow account as they worked to resolve my debt with XXXXXXXX XXXX XXXX XXXXXXXX, and Chase. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But Chase would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the credit relief company and moved on. Since I paid off two credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, Chase reported an L for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, Chase WOULD NOT work with my credit relief company and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to XXXX, they contacted Chase, who added Ls to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like Chase. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like Chase and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational multimillion-dollar companies.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Aside from the fact that this government does not care about the generations of XXXX that had to take out XXXX XXXX  only to have to be transferred to the worst loan servicer after being promised that even though you can not forgive our loans, that we would at least have an easier time paying it off. NELNET LOAN SERVICER has been the absolute worse experience I have ever had. I had applied for the SAVE plan and had made significantly less money since I had been on maternity leave for the last 2 months and first 3 months of the year. I had resubmitted my application in XXXX of 2023. I got a notification in XXXX that I had to pay the same amount I was paying 3 years ago before COVID. THEN to make matters worse I see that my payment has been applied to my interest instead of my principle, which we had already seen had screwed many people over in the last 10 years since it causes the loan to continue to accrue interest on an amount of money that has been paid for the last 7 years but has not moved a needle on the principle. I have tried to get in touch with them and its almost a 2 hour wait on the phone only for the lady to read some script off a screen and try to interrupt the answer of my questions without actually having any knowledge. I had reapplied for SAVE again after resubmitting my pay stub to NELNET in XXXX. I am not set to pay anything until XXXX yet my interest continues to climb and they applied my last payment to my interest. I have found this site to file a complaint because I found a website with complaints from other people who had the same issues with Nelnet. I did not agree to have this loan servicer. I was just transferred from Great Lakes. My husband has a different loan servicer and he makes more than me a year but I owe more a month than he does. Something smells fishy and corrupt going on. Please I beg of you, on behalf of all the XXXX who took out Loans and are struggling. I am a XXXX XXXX XXXX who worked all throughout the pandemic and this is the thank you we get from the government. Please fix this matter!!!!!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2