davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital 1 is discriminating against a XXXX person in California. I am a protected class of citizen under California Law, thus have discrimination charged to file against D, as Capital one is refusing me to access my online accounts to my primary checking account and 4 credit card accounts leading to damages, as can not access as capital one is primarily a online bank.

I provided documentation of my XXXX XXXX XXXX XXXX, XXXX XXXX is one and the same as XXXX XXXX XXXX in a court order XXXX XXXX filed in 2018 in California, yet capital one is defrauding me insofar as I do not have access to my accounts online, leading to harm, thus I have damages for a tort case.

As I was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I know credit card fraud. They allege I am committing credit card fraud or the like and preventing access when I gave them suitable information, thus liable for defamation, discrimination and other torts thus I have civil remedies by filing a civil unlimited court action in XXXX XXXX, Municipal court. 

As I was an expert XXXX XXXX in the courts, will be able to act as my own attorney and articulate my damages to a jury. 

Also, I need to official service of process in California as Capital One is doing business in Ca and they have to have a proper custodian of records on file with the California Secretary of state for proper service of process. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

Mohela is my federal loan servicer. I called them to refund payments made after XX/XX/2020. They send in my request and told me to wait XXXX days to process. XXXX weeks ago, the XXXX  days has finished and I'm still waiting. Nothing on my account has changed. It's been over XXXX weeks without any information. I tried calling but no help was given. They tell me to try calling again the following week.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-04-29
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-29
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-04-17
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: TRUIST FINANCIAL CORPORATION (VA)

In XXXX XXXX payments were posted to my Truist account in error. I had forgotten the autopay on my account and erroneously made an extra payment. 

Truist ultimately processed both payments on my account on XX/XX/XXXX and XX/XX/XXXX ( autopay ). The XXXX payment resulted in an NSF due to the XXXX payment having already posted. 

I proceeded to call Truist ( on or about XX/XX/XXXX ) to request a refund of the SECOND payment made on XX/XX/XXXX since the XX/XX/XXXX payment already posted to my XXXX XXXX account. The agent assured me that the SECOND payment made on XX/XX/XXXX via autopay would be CANCELLED. Ultimately without my knowledge, the agent reversed the XX/XX/XXXX payment and cancelled the autopayment as well, which was not what I asked her to do. 

I never received any notification via text, email, or letter that there was no XXXX payment posted. On my end, I received XXXX refunded payment, as expected and requested. I was under the impression that the auto payment was refunded. On my XXXX account, it showed as if XXXX payment had posted to my mortgage. 

On XX/XX/XXXX I received notification that my credit report had a 30 day late mortgage payment from XXXX for the month of XXXX. I immediately called and spoke to an agent, XXXX, who reviewed the notes and confirmed that the prior agent actually CANCELLED/REVERSED the first XXXX payment on XX/XX/XXXX AND also cancelled the autopayment on XX/XX/XXXX. This SERVICING ERROR RESULTED IN NO PAYMENTS FOR THE MONTH of XXXX which was never my intention. As you can see via my XXXX XXXXXXXX statement, two truist mortgage payments posted with only ONE reversal. It was my understanding that the one reversal was for the autopay payment made on XX/XX/XXXX and that my payment made on XX/XX/XXXX posted to the loan and my monthly payment was satisfied. Upon being made aware of the agent 's error, I immediately paid another mortgage payment on XX/XX/XXXX to satisfy XXXX and bring my account current. 

I then submitted a credit dispute from with Truist on XXXX at the direction of the agent I spoke to. I did not receive a notification that it was received so I sent another dispute from on XX/XX/XXXX. I called into Truist on XX/XX/XXXX to obtain resolution. The agent proceeds to tell me that the XXXX dispute was received and denied. Stating that all payments posted correctly and there was nothing Truist could do. I am appalled at the blatant poor customer service and inefficient staff at Truist. I have never missed any payments on this mortgage. The agent 's error and lack of notification by Truist resulted in no payments posting. That is not my error. That was never my intention. I never requested a stop pay on any payments. I clearly asked for auto pay to be cancelled. That was my only request since my XX/XX/XXXX payment had posted/cleared. 

Please correct this issue and update my credit report.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have contacted Equifax a few times about the incorrect information listed on my report. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Ive told them several times about this and that they keep reporting inaccurate information on my report that hasnt been removed. However Equifax is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Equifax also keeps reporting an old address as a current address and I have called several times to correct this and they are constantly reporting incorrect items on my credit report. If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to equifax incompetence and unfair credit reporting.
Consumer complaint received 2024-08-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I attempted to make a full on-time payment for my Capital One credit card using my XXXX XXXX XXXXXXXX checking account. Capital One 's mobile app initially indicated the payment was successful. However, on XX/XX/XXXX, I received a notification that the payment was returned due to incorrect account information. 

I immediately resubmitted the payment with the correct information on XX/XX/XXXX, and the funds were successfully transferred to Capital One on XX/XX/XXXX. Despite the full payment being made on time, Capital One assessed a late fee and interest charges. While Capital One did fully refund the late fee on XX/XX/XXXX, they only partially refunded the interest charges, providing a {$50.00} credit out of a total of {$130.00} on XX/XX/XXXX after I contacted customer support. 

Capital One was unable to definitively confirm that the account number was incorrect, as the last four digits matched. Nevertheless, I was penalized for a payment issue that was not entirely my fault. I am requesting a full refund of the interest charges.
Consumer complaint received 2023-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite our previous correspondences and the efforts made thus far, it appears that the fraudulent items have not been removed. 

It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit report. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-08-28
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. (IL)

I am seeking your assistance regarding this incorrect account listed on my credit report. Ive raised this issue because its harming my reputation, and I need your help. The mishandling of my credit report has brought me to my knees, as this incorrect reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

We have already filled the same complaint with our other account which is under my husband name and this complaint is regarding my account which the similar situation happened and looks like both of our accounts got hacked and the money on the accounts, has been fraudulently transferred out. I had an square account, which was deactivated with a higha balance on it. The email associated with the account is : XXXX XXXX placed a 90 days hold onnthe funds and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to the account to transfer the funds to my bank, but I noticed the entire funds on the account has already been withdrawn and there is no money available on the account. The total balance on the account was approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how Square allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue
Consumer complaint received 2024-04-29
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)

In accordance with the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c/ ( a ) ( 5 ) Section States : no consuming reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by XXXX. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-29
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. (GA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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 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 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. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX Account for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.