davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2024-01-18
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. (PA)

I submitted my dispute on XX/XX/XXXX via CFPB # XXXX Trans Union Received it on XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  Trans Union again requested my identification which Trans Union should have my identification on file because I already sent it many times. I have uploaded my State I.D., Social Security Card. 
The dates I sent my identification is : XXXXXXXX XX/XX/XXXX, XXXX, XXXX XXXX, and again yesterday on XXXX 

I plead with CFPB to investigate this matter because I feel this is a stall tactic. 

The basis of my dispute is that XXXXXXXX XXXX  is in violation of XXXX XXXX and could be liable to pay very harsh fines due to XXXXXXXX XXXX  FAILURE to send me as a former customer PRIVATE POLICY NOTICES that are required initially and annually to customers and former customers. 

The fines are from {$10000.00} to {$100000.00}. 

Additionally, FCRA Section 602 states I have a right to privacy and FCRA Section604 ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Additionally, Trans Union has Failed to conduct a reasonable investigation in a timely manner and are in non compliance in accord with FCRA 611 ( a ) ( 1 ) ( A ).

Trans Union is also compelled delete the 2 Comenity accounts illegally reporting on my credit report. 

Delete these accounts : Trade : XXXX XXXX XXXX Trade : XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (NJ)

I recently noticed on my experien credit report an account, XXXX XXXX with account # XXXX with a balance of {$7600.00} with written off, charged off. I do not have a XXXX  XXXX card. This account was bought by XXXX XXXX from XXXXXXXX XXXX  which I did have an account with. That account was paid in a settlement, for less then owed with XXXX XXXX prior to XXXX buying the account. The account was marked paid, settled for less than owed. Was marked paid, closed, satisfied in settlement for Less then owed. Now another bank took over all accounts from XXXX XXXX  and is attempting to collect again on an account that was settled prior. I request this account be removed from my experien credit report
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCK AND REMOVE It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2024-06-10
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. (MI)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ACCOUNT NUMBER XXXX 15 USC 1681 section 602a. States I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency May any consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit 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 (WI)

I am filing a complaint against Capital One regarding the denial of my dispute claim for a transaction with the merchant XXXX XXXX ( Case Number : XXXX ). The merchant claimed that the goods were as described and received in good condition, but this is incorrect. The property was filthy, with old dog XXXX, trash like XXXX  ice tea cans and XXXX cups, and a moldy shower with leaks. The yard was littered with garbage from previous tenants. Additionally, during our stay, an XXXX XXXX XXXX XXXX  entered the basement without notice, leaving the door open and unlocked, creating a security risk. After our stay, the owner falsely accused us of causing damage and attempted to charge extra fees for my service animalR despite the property already having pre-existing wear and damage. I request that the CFPB review my case and assist in resolving this matter with a full refund due to the unacceptable conditions and negative experience.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am an elderly and XXXX, XXXX, XXXXXXXX XXXX XXXX, American and feel that Capital One has discriminated against me in closing my Walmart credit card having always paid on time. They refuse to tell me except what they call unprofessional, derogatory and abusive to them. When one of their XXXX agents could not multiply XXXX and said it was XXXX. My mentally handicapped son with a XXXX IQ ( XXXX level though he functions higher ) said to tell her that it was XXXX. The agent then called me a " XXXX XXXX XXXX  XXXX '' and demanded a supervisor. The supervisor cackled like a laughing hyena and when I told her I was appalled she stated that is fine for their reps to call me that name. I told her I was greatly offended as a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. When I asked her that since she felt her agents could call me that what would she do if someone called her that and she said she would hang up on them. I told her that was illogical. She said she did not know what that meant ( which I found hard to believe if she was a supervisor ). I then asked her why and she said " Because we are in charge of you kind and you're just a lowly customer. '' I hung up on her. I believe that Capittal One has taken both XXXX XXXX XXXX side and turned tables stating that I called her that filthy vile name instead of the fact that she called me that which as a born-again XXXX which I would not do. I taught 10 years in a state prison and never called that name, two different principals ' positions and two different Superintendents ' position and then retired and NEVER called that name except by the Capital One agent. I believe they are trying to intimidate me, minimize me, mentally XXXX  me, and prejudge me and I have asked for the real reason and they will give me none. I have appealed to several peope that my letter says to ask for their Customer Advocacy Office and they refuse to let me talk to them. They are stonewalling me and when I stated I would report to your offices they made a very veiled threat to me saying " See what happens to you if you do. '' I considered that a potential XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are thus keeping me from any fair appeal and declaring me guilty without a fair chance. Of course, they have cancelled the card saying that I would owe anything due which I understand. However, the issue started all because they would not change my address to my correct address and the XXXX people would not help. Even the letter sent to cancel my card was not sent to theeven if I owe anything or not. correct address, but XXXX got it to me anyway. Therefore, I don't even know if I owe or not. They have also blocked both my land line and cellphone numbers so that I can no longer attempt to make an appeal.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, XXXX, as reported by XXXX and Experian. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

debt collector has tried to collect a debt on a XXXX XXXX that i have never lived in. request this debt collection to be removed from my credit report.
Consumer complaint received 2024-01-18
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-02-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I received a letter from the United States Government finding XXXX XXXX XXXX XXXXXXXX XXXX guilty of predatory lending. 

On XX/XX/XXXX, I submitted my School Misconduct Discharge application to Navient via their online portal. 

On XX/XX/XXXX, I received a letter stating that my application is currently incomplete and needs additional information. 

On XX/XX/XXXX, I received a correspondence from XXXX XXXX stating that Navient was unable to access the document provided within my email. 

On XX/XX/XXXX, I paid for and resent my School Misconduct Discharge application as well as supporting documents through USPS Priority Mail to Navient. 

On XX/XX/XXXX, XXXX confirmed that Navient had received my School Misconduct Discharge application and that my application was under review. 

On XX/XX/XXXX, I received a correspondence from Navient that my School Misconduct Discharge application was denied. There was no reason for denial provided by Navient. In addition, the option to complete a School Misconduct Discharge application was information that was withheld from me by Navient. Furthermore, the application itself was never provided to me by Navient. I learned about the School Misconduct Discharge application on my own through a non-profit agency for student loan borrowers. 

On XX/XX/XXXX at XXXXXXXX XXXX, Navient continued to call me regarding my personal student loans. In addition, Navient sent a letter to my deceased mother who was cosigner on my personal loans. My mother has been deceased since XXXX and Navient was informed of this by me - years ago.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (GA)

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 2024-01-18
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. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-18
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. (MI)

XXXX XXXX has XXXX names on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & re-age. The account on transunion. & XXXX just got XXXX XXXX XXXX days & date closed wrong & last active & last payment no good payment history its hurting my score & re opening accounts are illegal & XXXX XXXX  is showing i have no late payments but i have XXXX XXXX XXXX days late different bureaus & account type doesnt show for XXXX bureau dates last active are wrong. Please delete these accounts i dont want any problems with this please
Consumer complaint received 2024-07-03
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. (PA)

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my XXXX credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks. 

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed XXXX of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact XXXX immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MS)

i sent the ma letter on XXXX, requesting validation of debt, per 15 usc 1692g and 12 cfr 1006.34c for this alleged debt that i don't owe and i haven't heard from them concerning this matter.I am asking that this information be deleted from my credit report
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the XXXX XXXX XXXX and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX  Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.