davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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)

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts and inquiries that I didn't authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names. Please remove fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names from my credit report. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$1900.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1900.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX  XXXX Balance : {$1200.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : XXXX  XXXX  XXXX Balance : {$2700.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXX. 
Balance : {$930.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$900.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving FROUDULENT INQUIRYES! 
XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FROUDULENT EMPLOYEESE INFORMATION! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

In XX/XX/XXXX, I applied for a new loan repayment type through Mohela. I received an automated response on XX/XX/XXXX, stating, " Your recent request has been received and is expected to be processed within the next XXXX business days. '' That is the only response I have received to date, XX/XX/XXXX. I attempted to contact Mohela multiple times and sent messages through the online portal, but I still have received zero response and no movement on my application. I'm being charged about {$200.00} per month more than the other program estimator says I'd be charged, if qualified. Additionally, Mohela did not have my account information accessible until around XX/XX/XXXX, indicating I applied as soon as possible for the new program once my account was visible.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : XX/XX/XXXXsuitable identification proof ; XX/XX/XXXXa copy of an identity theft report ; XX/XX/XXXXthe consumer 's identification of the relevant information; and (XX/XX/XXXX a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XX/XX/XXXXXXXX Balance : {$420.00} XX/XX/XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX : {$0.00} XX/XX/XXXX Balance {$130.00} XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXXXXXX ) XXXX Balance : {$1800.00}XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
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. (TX)

Transunion have published inquiries on my credit report that are fradulent. According to XXXX XXXX XXXX these inquiries MUST be removed or fines exceeding {$1000.00} per violation will be assessed.
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The following fraudulent inquiries aren't mine and transunion won't help me to remove them so my credit report is accurate .There was no permissible purpose under which the inquiry ( s ) made and I intend to hold both the creditor and transition liable. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2024-08-18
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-08-02
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. (FL)

I sent a letter on XX/XX/2023 to update and delete the items that is INCORRECT and UNKNOWN to me. Ive already included this in my previous Complaint # & I am including it again., TransUnion XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-12
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. (KY)

Please accept this letter as my formal writing request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-01-12
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Good morning, My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was hat the company was unable to provide me with a score. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in 2-3 days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code BLNK and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other 2 major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Please help.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been trying for the past year to get XXXX to stop their negative and inacurate reports concerning my Federal student loans. XXXX has repeatedly refused to stop their negative reports which has caused me great harm as a XXXX XXXX XXXX XXXX XXXXXXXX veteran, currently XXXX  and trying to secure financing to by a house. 
for 7 years had been on an income based payment of {$0.00}. the last year of the loan prior to the loan being closed ( it should be discharged due to XXXX XXXX VA XXXX ) they required me to pay {$1.00} per month even though my income had not changed and my living situation had become much worse ( homelessness ). i disagreed with their request because i felt as though they were doing this in an attempt to trick me into paying this {$1.00} amount so as to reset the number of years at {$0.00} needed to discharge the debt. At the same time Covid happened and i felt i was not required to make a payment as my loans were Federal loans. 
XXXX began destroying my credit by reporting all 5 loans as delinquent. One month i was reported as current... the next 90 days late ( how is it possible to be 90 days late in the span of 30 days? ) They deliberately began reporting me to try and force me to make the {$1.00} payment ( it should have been {$0.00} ) thus resetting the consecutive number of years at {$0.00} so that they would be able to continue to collect on the loans and not discharge them. If this is not an illegal act... it should be. They created a situation so as to coherse me into doing something that was not in my best interest. they continue to report adversely even though the account is closed. i want them to stop causing me undo harm, please.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was a bonus offer for opening new Capital One 360 saving account published on Capital One Bank website. I opened that link, and input my information, and got an acknowledgment that I was eligible for that bonus. I then followed the steps to open a new saving account ending XXXX deposit $ XXXX on XXXX XXXX, XXXX, to be qualified for the {$1500.00} bonus. 

I waited for almost XXXX months, after passing the bonus deposit deadline, to find out the promised bonus wasn't there. Then I contacted Capital One bank at XXXX on XX/XX/XXXX, and talked to a customer rep called XXXX ( who refused to give me her last name ). She said I had an account open with Capital One bank ending XXXX ( which I am not aware of, and didn't receive any statements ), which carries a balance of {$10.00}. I then asked XXXX to find out when the last transaction was, she said some time in year XXXX, about XXXX years ago. 

First, I am totally not aware of this active account which Capital One bank said they somehow kept it active without any transactions for XXXX years. And I didnt receive any statements regarding this account. 

Second, I received confirmation that this bonus code was active when I input that code to check my eligibility for that bonus offer on Capital One bank website. Capital One Bank allowed me to open that account with that bonus code. 

Last, I didn't receive any notifications from Capital One Bank that I was not eligible for this bonus offer during the XXXX  months I waited for the bonus to arrive. XXXX clearly told me that the final decision from Capital One bank is to deny this bonus claim, which to me is clearly a fraud to cheat consumer into deposit funds to Capital One Bank. 

I have screenshots available when I opened the account, which clearly shows that the bonus offer was active. 

Capital One Bank unreasonably denied my request even though I provided them all the above information.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am requested that Experian and XXXX delete an item on my credit report that has been inaccurately reported. Specifically, the item in question has been removed from my report by XXXX credit bureau, after they completed their investigation they found the information was inaccurate and unverifiable. 
Company XXXX XXXX Account # XXXX I am demanding that Experian and XXXX Delete this account from my credit file due to the following inaccuracies. EXPERIAN report this account as open collection. XXXX report this account as closed and charged off. While XXXX deleted this inaccurate account from my credit file. I previously requested for this account to be deleted from my credit file. However, Experian and XXXX responded back that the account was verified and they updated it in my credit file. I requested that they provide me documentation of the verified account, but Experian and XXXX both refused to provide me documentation and verifiable information. As a consumer its my right under FCRA to be provided such requested documentation and also everything on in credit file must be accurate and verifiable. Credit agencies are required to only report accurate information in a consumers credit files.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently ensured that payments on this account are made on time, never allowing them to be overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.I kindly request the removal of late payment remarks and a change to a positive status reflecting payment as agreed.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam, I am writing to dispute two items that are currently listed on my credit report. The first item is a charge of {$1400.00} from XXXX XXXX, which was added to my credit report on XX/XX/XXXX. The second item is a charge of {$530.00} from XXXX XXXX XXXX for XXXX XXXX, which was added to my credit report on XX/XX/XXXX. 

Regarding the XXXX XXXX charge, I am unsure as to why this charge has been added to my credit report. My lease for the apartment in question ended on XX/XX/XXXX, and during my time living there, I always paid my rent on time. I do not owe any outstanding rent. 

Regarding the XXXX XXXX XXXX charge for XXXX XXXX, I am a current customer of XXXX XXXX, and I have not had any outstanding debts with them. I can attached a copy of my insurance policy and a statement from XXXX XXXX confirming that my account is up to date as proof that this charge is inaccurate. 

I respectfully request that you investigate these matters and remove these items from my credit report as soon as possible. Please inform me of the results of your investigation and any actions taken to correct my credit report. 

Thank you very much for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I got an email from a Chase backed credit card company stating it needed additional information to approve my credit card application. This happened to be the third time this year. I called Chase just like the last two times. Told them it was not me trying to open the credit card and they assured me that it would be removed from and credit reporting.
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

They are defrauding consumers by not allowing the consumer to remove the additional payment methods once they have been added. Then they collect additional payments that should be principal only and applying the payments to the interest first which increases the amount of interest they consumer will pay over the life of the loan.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (VA)

Reported Experian to CFPB. Experian responded thru CFPB that they would remove negative and closed accounts and ti refrain from reporting any negative item ( late payments etc ) As of XX/XX/2023 these items still remain on my credit report. I expect CFPB to do their job and enforce any violations. I filed a complaint last night on Experian and received no response or acknowledgment of the new complaint due ti Experian continuing to show closed and negative information on my credit report. I expect CFPB to do their job. All violations will be enforced and penalized for misuse of my personal and financial information even after you were warned and instructed to refrain from usage. and to remove from my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presuri that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. HJR 192 Public Law 73-10. FCRA. RICO Law. 18 U.S. Code 242 - Deprivation of rights under color of law. 15 U.S. Code 1681b - Permissible purposes of consumer reports