davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm filing this complaint against capital one for high interest charges that are affecting me of keeping my balance down and keeping my account current every time a make a payment to capital one to try to pay my balance down and keep my account current I'm hit with high interest charges as well as cash advance charges upon when I first opened this account I was never charged for interest and when I read my agreements for this account I don't remember it seeing anything regarding high interest charges every since of XX/XX/2022 I have been charged interest to my account I have spoken with capital one regarding this matter letting them know I can not pay my bill plus high interest charges been billed to my account every time I have a available credit it is taken away from me due to over high interest charges which is unfair to me since I am fighting to keep up with my balance it is becoming a unfair business practice because instead of me paying my bill down I'm just paying interest charges instead and it's not going toward my intial balance I can not pay both only one I'm asking for a billing adjustment from capital one of these high interest charges and reversal of interest charges on my account I'm now over my balance on my account due to overly high interest charges and now I'm having a issue of being issued out a new card due to being over my balance from interest charges a resolution is needed for me to be able to bring my balance down and keeping my account current
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I sent the consumer reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Consumer complaint received 2024-06-26
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IA)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2024-06-26
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. (LA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  Balance : XXXX
Consumer complaint received 2024-06-26
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of XXXX XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-26
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (GA)

Transunion, XXXX, & XXXX continue to report the account XXXX  XXXX Account # XXXX the account is reporting incorrectly. The consumer agencies knows they can not lawfully validate or verify this account. The banks are federally insured and dont incur any losses due to the insurance being paid on defaulted accounts. The law further states any account charged off with a balance should be returned to the consumer. This is my final attempt to get the consumer agencies to follow law as it is outlined or face the consequences.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am demanding the following item be investigated under FCRA 15 USC 1681i7. These items are reporting as late and this is false. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sales Contract and XXXX XXXXXXXX. 

Also I have never received any of the information required in 15 USC 1637b as it relates to 15 USC 1666b. I am expecting a response in 15 days per 15 USC 1681i7 : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-08-08
Product: Credit reporting 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. (CA)

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (FL)

This is an ongoing dispute about a late payment notation that appears in my credit report. The information reported is inaccurate and does not reflect my payment history correctly. The specific account in question is : Account Name : XXXX XXXX  Account Number : XXXX... 
Date of Late Payment : XX/XX/year> Under 15 U.S. Code 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (IL)

XX/XX/year> SoFi bank restricted my account for a tax levy and put a hold on the money in my account. Later that evening I received a direct deposit from my employer and I as told by the State of Illinois that the levy was to freeze what I already had in my account when it was put in place. Since then I received another deposit and I have no access to it because SoFi put a full restriction on my account. I can not pay for my basic needs such as rent, food, etc. even though the Illinois XXXX XXXX XXXXXXXX stated I should have access to those additional funds. SoFi refuses to lift the restriction on the additional funds.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I had a XXXX XXXX XXXX. The company bank then sold to XXXX XXXX XXXX so it started showing up as XXXX different names on my credit report but the same account. When I went into default, both accounts which are the same accounts starting with XXXX were reporting negatively ( there should only be XXXX account collectively, not XXXX ). On XX/XX/year>, I paid the balance to Midland Credit Management to have the account shown as paid and in good standing. XXXX did report this, but the initial XXXX  account is still showing potentially negative and not paid. These XXXX accounts are the same account and either the XXXX  one needs to be removed completely off of all three credit bureaus or it needs to be reported as the same information as the XXXX XXXX. Under the FCRA, there should be accurate information and since they have been reporting this after disputing with the credit bureaus for the last year, they need to remove the XXXX account XXXX is negative off of my report
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I took out a {$15000.00} " signature student loan '' private student loan from XXXX XXXX in XXXX and because my credit was not good, I needed a co-signer. This loan was in addition to federal loans taken to cover living expenses and costs for school XXXX XXXX XXXX University XXXX  campus in XXXX Fl. I was a part time XXXX and working full time. For many years, until XXXX, we paid the best we could until my exhusband and I filed for XXXX  XXXX bankrupcty and was ordered NOT to pay this account. The intersest capitalized and the loan grew and grew until payments continued in XXXX. In XX/XX/XXXX, the loan topped out at {$18000.00}. I continued to pay the best I could until another personal XXXX  XXXX bankruptcy in XXXX. To date, I have paid over {$15000.00} on this loan. I still owe {$11000.00}. I have attemped to remove my co-signer a few times and every time it is denied. The interest rate is above 7 %. My loan was not included in the Multi-State Navient settlement because the company says that I was never deliquent. I argued with them that XXXX separate bankrupcties is delinquency and that there were more than XXXX  months of missed payments. I think Navient/Sallie Mae has collected my debt unfairly as this private loan should have been discharged with my bankrupcties. Please let me know how I should proceed.
Consumer complaint received 2024-09-04
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. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Conserve reported a collection on my credit report for a paid debt I had no knowledge of. 

I never received written or verbal communication prior to the collection appearing on my credit report. 

Therefore, I did not have an opportunity to challenge it. 

I confirmed the mailing address Conserve and the creditor has on file for me is incorrect. 

The collection item is unfairly and negatively impacting the once-perfect credit history and I never was made of aware of a debt being owed.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

The amount they are requesting I owe is the balance remaining of {$460.00}. The company I have an account with has been paid in full from the date I was approved for the service. I have no idea how this collection company received this information. This service I required was a requirement to complete my application in underwriting in order to close on the asset I was purchasing.
Consumer complaint received 2019-07-17
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: Experian Information Solutions Inc. (CA)

On XX/XX/2019, I submitted and mailed a certified letter to Experian for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Experian failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-06-26
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. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention.

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
Specifically, I wish to dispute this account : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-26
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX