davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for Capital One. This was a fraudulent inquiry and was NOT done by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report AND on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX and XXXX multiple times. I have called Capital One multiple times. I have sent a letter & a follow up letter to Capital One. All of these efforts were made to report fraud and to have the hard inquiry from Capital One from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX multiple times. I have sent a letter & a follow up letter to XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 


Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX XXXX XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX XXXX XXXX XXXX multiple times. I have sent a letter & a follow up letter to XXXX XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX XXXX  *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

On XX/XX/XXXX I implemented a Freeze and a Fraudulent Alert on all of three credit bureaus. 

There were other fraudulent hard inquiries ( including XXXX from XXXX ) that were also on my XXXX credit report ( along with the ones above ) but XXXX was GREAT and removed ALL of the hard inquiries very quickly. 

I have already spent hours and hours on this since XX/XX/XXXX. 

I am writing to ask for your help to please have these three ( 3 ) fraudulent hard inquiries removed from my credit reports. 

Thank you!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-2, 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 2024-06-21
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

First and foremost, let me start by saying I was XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XXXX after retiring. I was in a student loan paying period with XXXX. I was told numerous times that my student loans would be forgiven but that never happened. As time went on and my payments were being made, I was put into forbearance several times due to unmanageable amounts. Eventually XXXX had a class action lawsuit applied to their corrupt business and I was told that my student loans would be transferred to another student loan company. During my employment with the XXXX I believe that my payments should have been counted for the 10 years to satisfy forgiveness. I ended up with another loan company by the name of Mohela. When I was affiliated with Mohela I was told they didn't have any information regarding my PSLF and that I needed to submit the form. I can not understand as to why my information was lost by XXXX. I then submitted the proper form so that Mohela could use, and they told me that they never received it. While mohela does have something to indicate my PSLF I believe that they have not been transparent to my situation and that I am now put into a category where I have to start from the bottom for the 120 payments and the 10 years of XXXX XXXX My dates of employment with the XXXX should qualify me for the 10 years of continuous government employment. I have just now today been transferred once again now to Federal Student Aid which is now a third place for my payments to go to.
Consumer complaint received 2024-06-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (MA)

Once again, as with several times in the past, Netspend is not releasing 2 overdraft fees placed on my account. This time though, the customer service representative who responded to my message, named XXXX, informed me that they will not release the fees, even though the negative balances causing my account to be overdrawn were covered within the 24 time period, as always. I took screenshots of everything to prove this. At XXXXXXXX XXXX on XX/XX/XXXX, My account was overdrawn by {$81.00} due to an {$84.00} transaction. At XXXX XXXX the following morning, XX/XX/XXXX, My account was brought to {$540.00} due to a {$620.00} transfer from my savings. On XX/XX/XXXX at XXXX XXXX, My account was {$30.00} overdrawn due to a {$14.00} purchase from XXXX. Later that day on XX/XX/XXXX at XXXX XXXX, My account was brought to {$0.00} after a {$31.00} transfer from savings. As you can plainly see, I absolutely covered both negative balances well within a 24 hour time period. I also took screenshots of the representatives message to me, Informing me that he refuses to release the overdraft fees. This is again, completely unacceptable. Although this time the representative outright refuses to release the charges. I want those overdraft fees released.
Consumer complaint received 2024-05-23
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. (AZ)

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXXccount XXXX : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS FIRST XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX IN Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-05-23
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 NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (CT)

UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX GATESTONE & CO has not validated the alleged debt ACCORDINGLY to 15 USC 1692g and HAS NOT provided demanded information instead only provided statements which was ruled to be not sufficient evidence of a debt in federal case XXXX XXXX XXXX XXXX GATESTONE is in violation under 18 USC 892 and 18 USC 1691 for RAKETEERING collection means. GATESTONE has not showed regard and respect to I the consumer and to the FDCPA and have continued to violate federal as stated in previous sent documents. GATESTONE & CO is liable for remedy under 15 USC 1692k and I seek remedy.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is against TransUnion ( TU ). TU regularly calculates credit scores and I can find mine on XXXX XXXX online. Prior to XX/XX/2024 my TU credit score was XXXX points. On XX/XX/2024, TU lower my credit score to XXXX due to a new credit card balance of {$1600.00}. This balance represented only 0.1 % of my total credit available. Within a couple of weeks, I paid the {$1600.00} balance in full. On XX/XX/2024, TU increased my credit score to XXXX. This was a XXXX point increase. My question is I lost XXXX points on XX/XX/XXXX and only earned XXXX points on XX/XX/XXXX. I called TU and was told that TU has not obligation to explain to me why the credit score was XXXX. Matter of fact, they told me that TU does not have to provide any reasons to the credit holder for any changes TU makes to your credit score. 
It is my understanding that this US Government agency has given the authority for TU to capture credit information and calculate credit scores for people in the US.

My complaint is that the calculation of credit scores by TU may not follow any guidelines and in fact could be anything TU decides, especially since TU does not have to offer any explanations to the credit holder. 

TU is not treating me fairly. I want an inquiry into how TU has calculated my credit score along with all reasons for any decreases or increases such credit score.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

For the last month I have tried to close a XXXX account with Capital One, each time I have requested the account be closed they just change the last XXXX numbers of the card instead of closing the account. They can't seem to understand that I do not want to do business with them
Consumer complaint received 2024-07-09
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. (NY)

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. 

Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 
XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-24
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. ()

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (NY)

I am XXXX XXXX and I file this complaint on my behalf because I saw inaccuracies on my report such as PAYMENT HISTORY, ACCOUNT STATUS unknown Inquiries and Mis-spelled name and previous addresses, it affects my financial status this past few months,
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

This is inaccurately reporting on my report. 
XXXX US DEPT . OF EDUCATIO- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-05-24
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXXXXXX
Consumer complaint received 2023-09-18
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.
Consumer complaint received 2024-05-24
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XX/XX/2023 at about XXXX XXXX, upon checking my Chime account, l saw a charge/withdrawal of {$990.00} taken from my Chime account. I did not authorize this transaction at all. I contacted Chime, put in a dispute, and a few hours later they replied that my dispute was denied. I contacted Chime again, but they are refusing to honor my claim. I have filed a police report about this issue.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX