davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-12-28
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There was a fradu alert placed on my Transunion credit report without my consent. I have attempted to dispute and correct fradulant information from my Transunion credit report and this credit reporting agency continues to send me fradulant letters stating it appears that a credit repair company is disputing fradulant information on my behalf.
Consumer complaint received 2022-08-11
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: TD BANK US HOLDING COMPANY (IL)

I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX, XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY XXXX CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX Negative Account Info Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Account Info Account XXXXNORDSTROM/TD BANK USA Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameXXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX XXXX  bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Navient has been giving me the back and forth on loans that were with them. They told me my loans had been moved over to XXXX. However, two loans were left with Navient and the way I found out was by getting a XXXX point decrease on my credit score. 

From what I was told by Navient and the news of student loans being paused and loans being moved from under Navient to XXXX, I was under the impression that I would be paying XXXX. These payments havent started yet but Navient put a 120 day late on my credit. 

Please help. 

Attached is a copy of my account record on these accounts with Navient.
Consumer complaint received 2019-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

On XX/XX/19 at XXXX XXXX  C.T., I contacted a seller on XXXX  about hockey tickets. After the scammer texted me photos of their " proof of purchase '' they wanted to use Zelle to get money for tickets and they would send tickets via XXXX. The scammer provided a name, XXXX XXXX, email address of XXXX and number : XXXX. I have a XXXX XXXX account and the scammer noted that they use XXXX  XXXX XXXX. I read through the Zelle 's fraud description, and to Zelle it is only your ( consumer ) fault for sending money, but they do not actively work on preventing scammers from using their service. I have contacted Zelle regarding issue, including the above details so that they can close the scammer 's account and prevent another person being defrauded, but they need to actually help to protect consumers from the many scammers that love Zelle 's service.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

It is with great concern that I note your bureau 's insistence on reporting these accounts as accurate, despite a lack of sufficient evidence to support such claims. This raises serious doubts about the veracity of the reported information and its compliance with the Fair Credit Reporting Act ( FCRA ). I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I must emphasize that the burden of proof lies with the credit reporting agencies to substantiate the accuracy of the information they report. In the case of the late payment accounts in question, I have yet to receive any verifiable evidence confirming the accuracy of the reported late payment dates. The absence of such evidence leads me to question the validity of the reported information and its compliance with the standards set forth by the FCRA. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

In light of the aforementioned concerns, I hereby request the immediate removal of the inaccurate late payment information from my credit report. If there are any discrepancies or lapses in payment, it is imperative that the bureau rectify these inaccuracies promptly. I expect that the bureau will adhere to its responsibility of reporting accurate and up-to-date information, and any failure to do so would be a violation of my rights under the FCRA.
Consumer complaint received 2022-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Attn : Dispute XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Capital One Cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Overview : I paid XXXX XXXX XXXX XXXX XXXX  to design a company website for my company XXXX XXXX XXXX. Payments dates and amounts are below : XX/XX/2022 {$400.00} XX/XX/2022 {$3900.00} XX/XX/2022 {$90.00} I visited the company website ( XXXX XXXX XXXX ) on XX/XX/XXXX and learned I was over charged by the agent for the services requested. I sent an email ( attachment XXXX ) on XX/XX/XXXX requesting cancelation and a refund. After several call and emails with the agent I filed a complaint with Capital One on XX/XX/2022. The funds were refunded to my account and Capital One requested and received a written response. I found out after the funds were again taken out of my account on XX/XX/XXXX Capital one didnot receive my written dispute. I sent additional letters ( attachment XXXX and XXXX ) to Capital One and has gotten a response the cases are closed. 

I have called and emailed the agent and the company settle the issue without a favorable response. 

XXXX XXXX  Agent : XXXX XXXX Senior Brand Consultant ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received a text alert from Capital One about fraudulent charges. After reviewing the charges I agreed that they were indeed fraudulent. The charges are from stores I do not shop in and for products I do not consume and appear to be part of a spree : {$8.00} at XXXX 's on XXXX {$160.00} at XXXX XXXX {$55.00} at XXXX XXXX  {$39.00} at XXXX 's XXXX {$31.00} at the XXXX XXXX Despite the fact that all of these businesses are curiously near where I live and work, I have never frequented them. This particularly strange element is what leads me to believe that this is a case of identity theft, or, that someone took my card out of my wallet while my bag was unattended, made these charges, and returned the card. 

I followed the Capital One protocol for fraudulent charges on XXXX and immediately cut up my credit card which I found still in my possesion at the time I made the complaint. Capital One removed the charges from my account within the next few days. 

Today, XX/XX/XXXX, I reviewed my statements to see that the charges were again added to my account. I immediately called Capital One assuming there was an error. I was informed that according to their investigation, a chip was used for each of these charges and unless I lost the card I must have made the purchases myself. I explained that I did not make these purchases and would like to escalate my complaint. I then spoke to two more individuals with Capital One. The last person was XXXX, ID # XXXX, a fraud account manager. She told me there was nothing they could do and there were no more people I could escalate this claim to. I told her I would be filing a police report and informing the CFPB about this conduct because its really absurd. Additionally, when I asked about the method of investigation and how they came to their determination, they would provide me no information other then that which is in a letter that will be delivered to my home. It was clear that they checked off a box and wanted nothing more to do with me. Meanwhile, I am fearful what else this perpetrator has done with my information and have no idea how this even happened. I also don't have access to my card number because I cut up the card at issue and my app only has the new card number on it.
Consumer complaint received 2022-08-11
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: Colony Brands, Inc. (NC)

My mother in law ordered a gift for my birthday from the tender filet website on XX/XX/22. She accidentally put my name and address in the to be billed section. The Tender filet company did a hard inquiry on my credit. My mother in law called the company and had them cancel the order. The way I found out about the hard inquiry was from XXXX XXXX. They sent me the alert today. XX/XX/22
Consumer complaint received 2022-08-11
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. (GA)

On XX/XX/XXXX I sent certified letter to Equifax regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing them they were in non compliance and also in violation of the Hippa Law.I also sent a copy of the attached letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had requested the credit bureau delete the account from my credit report. This same letter was sent to XXXX and XXXX and they took the account off my credit report. 
Equifax stated this account was verified. ON XX/XX/XXXX I filed a complaint with the CFPB Equifax responded on XX/XX/XXXX COMPANY 'S INTERIM RESPONSE stating Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings.On XX/XX/XXXX responded to thru the CFPB website. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. It Is now XXXX and this account is still being reported by XXXXThis willful non- compliance, I sent proof account should be removed and it was ignored. The letter I sent was to Attn : Dispute Manager at Equifax. I want this account removed immediately from my credit file with Equifax. There is no need for another investigation I have attached the proof this account should not be on my credit report and it being ignored by Equifax.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (NC)

There is an account with XXXX XXXX that was opened around XX/XX/2016 for approximately XXXX dollars. This account was subsequently charged off. This account does not belong to me. I have disputed this account with XXXX, XXXX and Experian and all but Experian have removed the account. I have disputed this account with Experian too many times to count. I have submitted fraud affidavit after fraud affidavit to them and they come back a week later and say that the account remains. I have contacted the company XXXX XXXX and they cant provide me any info. I have asked Experian on several occasions to provide me the documents that were used to validate the account as mine and have never received it.
Consumer complaint received 2022-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (DC)

Dear Whom It May Concern, Chase Bank is managing my second loan which is due for pay-off. I've been making extra principal payments and the payments have not been applied when I have made them and had to get the bank to retroactively apply the payments. 

The accounting on the principal payments has been incorrect and there are misapplication reversals on my mortgage account at least a dozen times. The accounting is still not accurate, despite me calling to point out the discrepenices a dozen times or more plus email them. My notes indicate I have less than {$3000.00} left to pay but the bank is showing {$4500.00} There is an even still an unapplied balance of {$1500.00} on my bank account as of XX/XX/XXXX. When I call to dispute the math, starting with with XX/XX/XXXX where I had {$6100.00} left on my account but have paid these principal payment since then {$1600.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, the bank says I still owe {$4500.00}. 

Worse, when I ask to go back to the principal payments paid each month, to discuss objectively, the accounting on specific dates, they refer to the billling statements which are wrong. They can not discuss their accounting records they present me online because when they do they cite different digital record keeping records. So what they report as the math and principal payment amounts and remaining balance does not match up in their records they are discussing with me. In other words, their accounting on their side doesn't match the records they are sharing with me online. It's chaotic and feels insane for a financial institution. Fuzzy math is unacceptable. 

The result is you can not discuss anything with them because their records do not match. They are keeping bad records, not fixing errors, overcharging me on interest and making it virtually impossible for me to pay this loan off because every time I ask of pay off quote the amount is XXXX what is left on the loan. I need a third party to observe the nefarious and ill-intentioned record keeping and lack of proper follow up and fair accounting on the account. I just want to have the payments I made reflected accurately, not be overcharged for interest, get one clean pay-off quote and end this madness. I am literally afraid of paying any more because for 8 months straight every time I pay, they apply the principal incorrectly and the payments I owe sometimes increase after a big principal payment. What is the point of paying this if I can never get an accurate payment amount?
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-08-11
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: ENCORE CAPITAL GROUP INC. (TX)

In accordance with the Fair Credit Reporting act Midland Credit Management Account # XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
The company Stated " Please note that based on the information provided by the seller, WE have determined that our credit file, and the information being furnished for the above-referenced account, is accurate. WE will be closing our investigation of your dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act. 
I requested a proper investigation not internally by the company they will always find in favor of them selves. The investigation found to be flawed.
Consumer complaint received 2023-12-28
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-08-11
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. (VT)

I am filing a complaint against the TransUnion credit reporting agency. I had a negative payment status on my report from an XXXX XXXX credit card. I disputed this with XXXX XXXX and they updated the status. I then reported this to the three main credit reporting agencies. XXXX and XXXX updated without issue. TransUnion did not. I have filed XXXX online disputes regarding this matter with them, as well as mailing in documentation from XXXX XXXX showing the XX/XX/2021 was not 30 days late. They have refused to update this status, and every time they finish the results, because they wont remove it, the other credit agencies also add it back on to the their credit reports as well. This is beyond frustrating, and it seems TransUnion is either incompetant, negligent or just unable to correctly handle credit issue and disputes.