davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all   XXXX   credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

I am currently in the XXXX XXXX. I opened a credit card with apple. I have tried to have my interest rate modified using The Servicemembers Civil Relief Act. They told me that they can not modify my interest because I opened the account while in the military. They also told me that the modification could only happen if I opened the account before I joined the military.

is what they said to me true? if not, what can I do with apple to have them adjust my credit interest rate using the SCRA
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Visa/Mastercard administration de nied and Declined my application because of my  XXXX    XXXX   and  XXXX  and Military Veteran status.   Also, because I have a Bankruptcy chapter  XXXX  on my credit report since  XXXX    XXXX   in which  XXXX , Texas  Federal Judge Discharged  on  XXXX    XXXX  .   I am a homeowner in  XXXX , Texas and have a  XXXX   XXXX  income of {$ XXXX } @ month with a  2  percent raise every year on  XXXX   XXXX .   I provide evidence to Capital One on financial status and I still was declined and Denied because of my  National Origin  as a   XXXX   XXXX    XXXX  and military Veteran.   This is a Discrimination and Retaliation against  XXXX  Military Veterans and a Federal Violations against my  ADA Disability Act  Civil Rights.   Notice : l will send decline response fro m Capital One cred it card administration by email ... Urgent Matters.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (FL)

I received a debt collection notice in the mail today fro m Tate & Kirlin, Associates, Inc. The  notice says I owe {$130.00} to  XXXX   XXXX . I have no idea what TRS Limited is nor I owe a single penny to them. I tried to call them at the number listed on the notice but have not had any luck getting in touch with a live person. I strongly believe this is a scam.
Consumer complaint received 2024-10-28
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. (MA)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report resulting from a recent data breach in which I became a victim of identity theft. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitles me to have these accounts and inquiries permanently blocked and deleted from my credit file.The following fraudulent accounts should be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} Additionally, I request the removal of the following unauthorized credit inquiries : 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 2022-07-18
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. (NY)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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.
Consumer complaint received 2017-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (TX)

I have received multiple calls for a group representing Check and Go Online payday loan service. The Group called today from the number  XXXX  and I called back and spoke to a  XXXX , he was really nasty and condensending. I advise him I do not and have not ever used a payday loan service and never used online service to get a payday loan. I told im I am not the person they are looking for, and how to we resolve them constantly calling me. He had told me the las t 4 o f the ssn   XXXX   and that a debt for {$400.00} was made and attached to my number. This is the  4 tim e I 've spoken to this individual.   They have called me and threaten to come to my job, threaten a processor would come to my house, Threaten with legal action and I need to have an attorney make a statement for this debt. I told him that 's not my number, He then placed me on hold and came back with part of my SSN and parts of my DOB and said he would REMOVE my name from that Debt.   This DEBT is NOT mines Check and Go and its representative are operating outside the consumer protection limits. They are making threats and calling and harrassing with unverified information and are abusing consumers.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (OK)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-18
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 (MA)

My XXXX XXXX XXXX XXXX  used my personal information and applied for a Discover Card in XX/XX/XXXX. The card was issued to him in XX/XX/XXXX. He subsequently defaulted in making payments. I did not discover this until some time in XX/XX/XXXX when I was advised by my mortgage broker that I had an outstanding debt with Discover Card. I then lodged a dispute through XXXX Credit Bureau and I have also made numerous calls to Discover to remove this debt from my personal records as : 1. I never applied for the card, it was my son who made the application without my knowledge or consent ; 2. I was never contacted by Discover either by telephone, mail or email to verify my information or whether I made such an application ; 3. All the purchases o the card were made by my son without my knowledge or consent. 
Apart from calls, I have also written to Discover on XXXX XX/XX/XXXX a very long and detailed letter explaining the whole issue and requesting that they remove this debt from my financial records as it has adversely affected my Credit Score. Discover replied to my letter on XX/XX/XXXX in which they simply said that the account and balances are " considered valid '' and that they have reported my account to the Consumer Reporting Agencies as a '' disputed account ''. 
I followed up with more phone calls and Discover wrote to me on XXXX XX/XX/XXXX informing me that " unless you have new relevant information to substantiate your claim '' they will continued to report this account as a " disputed account '' to all the Credit Reporting Agencies. How can I produce evidence of a negative fact? Namely that I never applied for the card? Surely the onus is on them to make sure that the person whose name is used in the application for a credit card DID actually make the application? It should not be possible for someone to use another person 's information to get a credit card and one with such a high credit limit. 
I made more calls to them and their representative advised me to get my son to sign a notarised document confirming that he applied for the card using my name, that this was done without my consent or knowledge and that all the charges on the card were made by him. 
I finally managed to get my son to sign such a declaration which I got notarised and sent to Discover on XXXX XX/XX/XXXX. They sent me a reply on XXXX XX/XX/XXXX saying exactly the same thing namely that the '' the account and balance are considered valid '' As you can see, I am not getting anywhere with Discover after XXXX  months going communication both by phone and letters and I am unable to get a mortgage to purchase a house. 
I will not be attaching any documents as all the documents have been submitted to Discover.
Consumer complaint received 2024-10-28
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)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2017-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.      Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2024-10-28
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. (AZ)

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report to prevent any fraudulent activity arising from this data breach. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$9500.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$690.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$16000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I had a GA tax lien on my credit report sinc e  X/2011  in  the amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies.  (   XXXX , Experian and  XXXX   ) but has not been done.The GA State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court said  they do not also. I tried to pull my name up on     XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.     This is affecting m y credit score signifi cantly and I desperately need help getting this removed.
Consumer complaint received 2024-10-28
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. (AZ)

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am entitled to take these actions to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$890.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$770.00} Additionally, I would like to address the inquiry associated with my credit report : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-18
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: CBC Companies, Inc. (CA)

On or about XX/XX/21 I submitted a request for Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission.

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-09
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-25
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one has been told I am XXXX and not employed. Also that I do not have a cell phone number and they are to use the number on our account ( my wifes ) to contact us. They continue to call my family members trying to contact me. Now I have a former inpatient center I was at notifying me someone was calling them from Capital one for me. This is not okay. They need to stop.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (NY)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NV)

I received  XXXX  separate invoices from " Convergent Outsourcing '' company.  XXXX  of the debts attempting to be collected is for  XXXX  which I received on  X/X/2017   . The original amount is {$1000.00}. They are offering a reduced amount at {$530.00}. That account number is :  XXXX . The other letter that I received was for  XXXX  on  X/XX/2017   . The amount owed on that is {$580.00} with a reduced amount at {$110.00}. The account number on that debt is :  XXXX . Neither of these debts are legitimate. I would like to get this taken care of and stop receiving these letters. The contact information that was provided by them are the following :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  www.payconvergent.com
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.