davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

i spoke with Equifax representitives multiple times explaining that there was a hard inquiry that i at no point requested or authorized by the company XXXX. i was finally sent to the fraud department in which i was told they would be able to remove the inquiry. looking back into my acount on the XXXX all i had was a fraud alert which i did not request and the hard inquiry was still reporting. i called once again and was told there was nothing they could do and to file this complaint. again at no point did i request my information to be furnished for any account once so ever with XXXX ive only recently noticed this account because i am looking into getting a few lines of credit and this is damaging my ability.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

To be clear under the FDCPA, as a consumer I have a right to privacy in which youve intentionally continuously infringed upon without my content. After being put on numerous notices that I refused to pay this alleged debt and to cease communication regarding this alleged debt with all persons included consumer reporting agencies. In which I never gave neither company the authorization to share my nonpublic personal information without my consent. You are required under federal law to comply with my cease-and-desist order and to only advise me that your further efforts are being terminated but instead youve continue to ruin my reputation and provide unvalidated documents for which I did not request! Im demanding you to stop harassing me, by ruining my reputation over this alleged debt in which I dont not validate and refuse to pay which is my consumer right under federal law. No judgement has been provided in reference to this alleged debt nor do I personally have a contractual obligation with you. Therefore, under federal law for your failures to comply with numerous of provisions under the Act, you subject to any actual damage sustained as a result of such failure. Our correspondences are evidence that these violations were intentional and did not result from a bona fide error.
Consumer complaint received 2024-05-13
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)

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-03
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. (TX)

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I noticed unauthorized inquiries on my Experian and XXXX accounts. 

I called them both on XX/XX/XXXX and XXXX/XXXX/24 and two more times. 
Experian said they are unable to dispute and remove unauthorized inquiries on my account and instructed me to call the creditors to have them send Experian a letter to remove the unauthorized inquiries. This is not the process in which I was able to remove unauthorized inquiries before. I spoke to other agents about 3 more times and they all did not help. 
I sent dispute letters by certified mail to the credit bureaus, delivered on XX/XX/XXXX24. 
I called XXXX  XXXX XXXX on XX/XX/XXXX24. The claim number is # XXXX and they said it would take 5-7 days for them to investigate and send Experian the requested letter. Nothing. I called XXXX  XXXX XXXX on XX/XX/XXXX24 and they said it would take 5-7 days for them to investigate as well and send Experian the requested letter. Nothing also. 

Meanwhile, I created FTC reports for all of the creditors ( see attached ) and stated the issue about the unauthorized inquiries on my report. I mailed the information to the bureaus as they requested, with certified mail, delivered on XX/XX/XXXX24. 

I called XXXX  and XXXX again on XXXX/XXXX/24 stating that I mailed in letters and FTC disputes. XXXX said it's still pending. And XXXX said the accounts resolution team would email me a letter that I can send to Experian. I received nothing. I called XXXX again on XX/XX/XXXX24 and they didn't have an answer. I called XXXX on XX/XX/XXXX24 and they said they will check on the issue again ... .I have not received or heard anything from them at all. 


It's ridiculous that I have to go through these measures to get something removed off my credit profile that wasn't supposed to be there, with staff unwilling to help with any urgency.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-13
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. (MD)

I have been disputing these accounts for the last year. The accounts are errors. 

XXXX XXXX XXXX opened XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2023-01-25
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. (CA)

I have notice two accounts on my credit report that does not belong to me : 1XXXXXXXX XXXX  Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.
Consumer complaint received 2024-05-13
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. (GA)

My debt has been discharged, yet two XXXX credit cards still remain active on my credit report. I want them removed off of my credit report immediately. This is inaccurate reporting, and inaccurate reporting goes against 15 U.S.Code 1681. A charge off is considered a certificate of indebtedness, which means it is income and MUST be removed off of my credit report. XXXX XXXX- Account # XXXX XXXX XXXX-Account # XXXX These two accounts have been labeled as charge off 's on my credit report and MUST be removed immediately. I recently came across information related to charged- off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a CERTIFICATE of indebtedness, which means it is treated as income, and, therefore, eligible for removal from the records, and my credit report. In light of this information, I REQUEST ALL CREDIT AGENCIES assistance and removal of the two charged-off XXXX accounts associated with my accounts.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on Equifax and XXXX on XXXX & XXXX XXXX report date XXXX XXXX as of XX/XX/XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXX XXXX XXXX last reported on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Consumer complaint received 2024-05-13
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. (CA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I came out of Forbearance from XXXX XXXX  and ended up with Mr. Cooper ( Acct. XXXX ). They never called me to set up anything. On the phone with Mr. Cooper on XX/XX/XXXX and also on XX/XX/XXXX. It took two days because the representative could not find my account. I only knew from talking to XXXX XXXX  to start paying Mr. Cooper on XX/XX/XXXX. XXXX XXXX  told me that my monthly payments would be actually less than pre-forbearance. I started paying Mr. Cooper {$1500.00} monthly until they told me to stop paying them when my XX/XX/XXXX payment was not accepted. The reason is that my payments were messing up with their arbitrators. They told me that it will take them up to three months before a set payment amount is made. In XX/XX/XXXX Mr. Cooper sent me a mortgage contract that I had to sign and notarized. That was completed and mailed to them. I have not received my signed copy back and have requested it numerous times. It appears that I do not have a mortgage contract, which they started to this day. They send bills through XXXXXXXX XXXX for the entire forbearance period with XXXX XXXX. They just dinged my credit score by saying i am 180 days late for payments which is untrue. Documents will show monthly payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-05-13
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)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-28
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: Accelerated Portfolio, Inc. (MI)

XXXXXXXX XXXX XXXXXXXX are using a document that has no signature from XXXX XXXX XXXX to purport that I owe them {$1600.00}. This agreement is nearly 7 years old, and has been removed from my credit report for over 6 years because it is not an agreement Ive ever agreed to. XXXX XXXX agreed to erase it, but XXXXXXXX XXXX XXXXXXXX are ignoring that request. Companies are required by FRCA to delete unverifiable information. 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Not only that, XXXXXXXX XXXX XXXX are listing themselves as the ORIGINAL CREDITORS and as if the account was opened last month, and has seven additional years of credit reporting. 

Theyre violating several FCRA guidelines, and Ive filed attorney general complaints in 10 states.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Report and noticed that i had one late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that payment was late. if proof can't be provide i demand that payment be updated on time as they should be as i was NEVER late. thanks
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023, and XX/XX/2023, I deposited two checks into my account with Capital, that I later discovered that these checks were fraudulent. To my dismay, the bank declined my offer to rectify the situation and instead chose to restrict my access to my direct deposited SSI benefits.

The restriction imposed on my account has had severe consequences on my ability to meet my basic needs and financial obligations. The undue hardship caused by the restriction has left me in an extremely vulnerable position and has significantly disrupted my financial stability.

I kindly request that you intervene to ensure that Capital One promptly rectify this matter by immediately lifting the restriction on my account and ensuring that my access to my SSI benefits is fully restored. 

Thank you for your immediate attention to this matter. I anticipate a prompt and satisfactory resolution.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for the SavorOne credit card with Capital One. I was approved for the level card meant for those with excellent credit. However, I wanted to verify the XXXX percent rate for balance transfers because I didnt see anything about promotions in the papers sent with my new card. XXXX different agents said I didnt have a XXXX percent promotional rate for transfers only purchases. I qualified for everything else advertised for the card. On their website it clearly showed this offer as XXXX of the benefits for the level card I was approved for. The supervisor I spoke with tried to tell me there are XXXX different levels to the card but the website only showed XXXX. Since I qualified for the spend XXXX in 3 months and get XXXX dollars back I should have also qualified for the XXXX percent transfer rate as shown on the website. This is a bait and switch in my opinion. No where on the page advertising their card is there a place that says they XXXX change the advertised benefits. I should get all the benefits advertised for the level card XXXX approved for. They simply show XXXX levels of XXXX branded cards, although the agent said there are XXXX levels. Each with their own benefits. This is unfair to the consumer. I applied only for the transfer feature, yet they made it unavailable to me. Now I have the hit on my credit report because I didnt need the card without the option to transfer a balance. Capital One when you read this just know you need to do better. XXXX really disappointed in you!!!
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (KS)

They posted a collection on my transition account for {$360.00} without providing a validation letter. I know they need to provide one within 5 days. They havent done that. Its not my debt. I believe Im a victim of identity fraud.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (MI)

XXXX XXXX last XXXX SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
XXXX am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They are adding interest charges to your account even though it has been paid in full every month.

CapitalOne, is now in the unethical business of adding last minute interest charges to your account with the intent to lower your credit score for that particular month. Here 's the proof of such activity : Confirmation Number : XXXX XXXX, Thanks for scheduling your card payment through our mobile app. Here are the details : Payment amount : {$230.00} Posted date : XXXX XXXX Balance paid in full Confirmation Number : XXXX XXXX, Thanks for scheduling your card payment through our mobile app. Here are the details : Payment amount : {$2.00} Posted date : XXXX XXXX Unethical interest charge added last minute for my account with no balance which was paid in full on the XXXX 

Products and services are offered by Capital One, N.A. 
This action caused my credit score to lose XXXX points currently. Here 's the proof : XXXX XXXX XXXX XXXX Points Checked Daily and the reason was the following : CAPITAL ONE account balance increased Between XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your CAPITAL ONE credit card balance increased by {$2.00} from {$0.00} to {$2.00}. This is them adding last minute interest charges to my paid full account.