davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (TX)

Notice of Default This is a notice of default with the opportunity to cure. 

XXXX. ) On XX/XX/year>, receivables sent to American Express XXXX XXXX XXXX XXXX XXXX, NY XXXX via certified mail tracking # XXXX delivered to an agent signed by XXXX XXXX on XX/XX/year> at XXXX, with return receipt tracking # XXXX delivered to my postal address XX/XX/year>. 
XXXX. ) On XX/XX/year>, receivables sent to American Express XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, article address to XXXX XXXX, title Treasurer in American Express Third Supplemental Indenture. Appointing XXXX XXXX with Medallion Stamp Guarantee, which preventing the Unauthorized Transfer of Securites by certified mail tracking number XXXX ; delivered XX/XX/year>. Certified article signed by agent XXXX XXXX on return receipt tracking number XXXX delivered to my postal address. 
XXXX. ) On XX/XX/year>, securities sent registered mail to American Express XXXX XXXX XXXX XXXX XXXX, Tx XXXX General Information/Investor Relations Dept with confirmation tracking number XXXX delivered XX/XX/year> at XXXXXXXX XXXX 
XXXX. ) Dated XX/XX/year> ; American Express mailed a letter to a postal address I no longer reside at, attached with this Notice of Default letter. 

As of today, XX/XX/year> no one responded other than a breach of fiduciary duties letter ( letter sent dated XX/XX/year> ). This is an opportunity to cure this matter. The next step will be filing a complaint with the Federal Reserve, the Comptroller of the Currency and the Board shall prescribe Regulations establishing such procedures as may be necessary to carry out in the Federal Reserve Act section 29., Civil Money Penalties. Requesting maximum amounts of penalties for the violation described in subsection ( c ), requesting 1 percent of the total assets of American Express Bank if not cured.
Consumer complaint received 2024-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hard Inquiry on credit report is a result of identity theft I have no knowledge of these inquiries. Need to be removed by four business days as per 15 U.S code 1681c-2
Consumer complaint received 2024-03-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (TX)

XXXX XXXX XXXX XXXX is NOT my school! 

I made the mistake of applying to this school last year. That is ALL I did. 

I did not register at that school. 

I did not attend class at that school. 

I did not sign any type of agreement with that school. 

What I have concluded is that this school ( under no ones authority ) tried to steal my Grant money. It appears they stepped in and claimed to the Federal Government that THEY were the school Ii would be going to and my Grant money should come to them. This was a lie. This is a SCAM.

Again, I never paid a registration fee or even registered to go to that school. All they had was my initial application ( of which XXXX other schools did as well ). I did not choose those schools either. And this problem did not arise with those schools.

It appears they made up fake classes, pretended like I would be going to that school to the Federal Government and then tried to charge me for those classes so they could obtain my Grant money.

If you look at my Federal Pell Grant on the Federal Student Aid website you will see there name is there and it should not be since I had nothing to do with that school. Why is there name even on my dashboard or profile. I was NEVER registered at that school!!!!!!

I am guessing a few months later once the Federal Government received a request from MY school ( XXXX XXXX ) that is when the funds were then moved to the correct school. 

XXXX is now trying to charge me over {$2000.00}. 

Again, I did not register with the school, I did not take classes at the school, I did not sign anything with that school or have any type of agreement with them.

And now they are even sending this amount they claim I owe ( for nothing ) to a collection agency affecting my credit report. I complained to the collection agency but they never replied.

This is a complete and total SCAM they do with people who apply and then choose a different school.

That is why I now need to help of a third party.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (SC)

Hunter Warfield was purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I made a payment in the amount of {$490.00} from my checking account 's bill pay feature to my capital one credit card. On XXXX, XX/XX/XXXX I called customer service to inquire on why the available credit on my credit card has not been released and was informed that the available credit would not be released until XX/XX/year>. This notice was not given ahead of time and I am now unable to pay for my 16 month old necessities as needed.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Inaccurate information on Equifax is not matching XXXX. Equifax is showing a credit score of XXXX when Equifax is XXXX. It is effecting a mortgage loan interest rate. 

Also, Inaccurate information on XXXX is not matching XXXX. XXXX is showing a credit score of XXXX when Equifax is XXXX. It is effecting a mortgage loan interest rate.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. On XX/XX/year>, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account : 1. XXXX XXXXXXXX XXXX  ( Two Accounts ) 2. XXXX XXXX XXXX ( Two Accounts ) 3. XXXXXXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NV)

These are the pictures we took for our safety in taxi cabs in XXXX, my daughter were touring the city alone, so for our safety I told my daughter to take pictures. The first one is the cab that actually made the fraudulent charge, we were transferred to him by the guy in the second picture because I did not have cash and the guy in the second picture did not had his machine for charges with cards, so what he did was to call the second guy friend of him and met us on the route and we finish with him and pay him, the transportation was from XXXX XXXX XXXX XXXX across from the church XXXX XXXX  to XXXX XXXX XXXX XXXXXXXX. How in XXXX that can be {$61000.00} dollars!!! He said it was going to be {$280.00} $ pesos which in dollars is about {$16.00} DOLLARS!! Give me a break, thanks for your help. 

XXXX regarding this claim, please acept my social media posts as proof that Im attempting to contact the merchand ( people who stole from me ) hoping that aurthorities or public can identify and provide more information. 


ubject : Freeze card Navy Federal Response XXXX  : Thank you for using Navy Federal 's XXXX XXXX, XXXX XXXX XXXX XXXX. The charge for {$610.00} was done on your old card ending XXXX. It appears you have already shut the old card down to prevent anymore unauthorized charges. If we can be of further assistance, please let us know. 



Your Message XXXX XXXX  I will try to freeze my card because I did not do the purchase for XXXX.
Consumer complaint received 2024-03-27
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. (TN)

Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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)

It appears that my file has been compromised. I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block account that is found to be opened due to identity theft. The dispute account do not belong to me. Please remove this account. 

XXXX XXXX
Consumer complaint received 2023-12-15
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. (TX)

I sent a letter to XXXX XXXX 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/XXXX, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/XXXX informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against XXXX XXXX for clear and apparent negligence, FCRA violations, and the mental anguish caused by the serious financial problems and distress resulting from these inaccuracies.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (KS)

They posted a collection on my XXXX account for {$360.00} without providing a validation letter. I know they need to provide one within 5 days. They havent done that. Its not my debt. I believe Im a victim of identity fraud.
Consumer complaint received 2024-03-27
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. (MS)

I requested for Experian, XXXX and XXXX to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.
Consumer complaint received 2024-03-27
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. (CA)

I am reaching out to contest the existence of false accounts listed on my credit report. Despite previous attempts and provided evidence of identity theft, these inaccurate entries persist. It is my understanding that failing to rectify this situation violates regulations governing credit reporting. 
I kindly ask for an urgent investigation into these accounts and their removal from my credit report, as mandated by the law. Your swift attention to this issue would be greatly valued. 
XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-01-21
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. (LA)

XXXX is reporting a debt that is older than 7 years and inaccurate. 

XXXX XXXX  XXXX over 7 years DEPT OF EDUCATIONXXXX XX/XX/2018 missed payment is inaccurate!
Consumer complaint received 2024-05-26
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX, XXXX, XXXX of XXXX and XXXX of XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Freedom Mortgage Company (TX)

XX/XX/23 about My neighbor informed me that there was a suspicious man on my property looking through my windows. I hurried put on clothes and rush outside to see what was going on. Thats when I noticed there was blue adhesive with object affixed to my property and A strange man sitting in his car in front of my property. 

I didnt approach the car due to the fact that my neighbors were outside and the stranger in the car let down his window allowing me to give him back his object and in forcing my privacy, by informing him to never come on my property again. 

The stranger said that he was just trying to deliver a message. I assert that the stranger is an agent of freedom mortgage Who constructed a scheme to intimidate me or enforce me to contract with them so that I can adhere to their fictitious agreements. 

Freedom mortgage stays that it has a endorsed note from me as well as evidence of a loan given to me from freedom mortgage I assert the claim of fraud due to the fact that I am 1000 % sure that I have never contract it with freedom mortgage and freedom mortgage as they said in the document that sent to me they are a debt collector. Therefore proven that they do not have the ability to loan monies. 

It is my prayer that the CFPB expeditiously contact freedom mortgage due to the fact that they are threatening to seize my home where myself and my XXXX child resides and in fact have no rights or real security nor have they incurred any true debit by extending me a loan. 

I am asking that freedom mortgage provide the note that it is stating that I have contracted or enforced with freedom mortgage in addition to the securities agreement that must perform with said promissory note. 

By law if freedom mortgage can not produce a promissory note that is executed with XXXX XXXX wet ink signature Between XXXX XXXX and an owner of MAJORITY at Freedom Mortgage please required that freedom mortgage prove how it incurred any harm from XXXX XXXX or XXXX to secure XXXX XXXX estate and its assessors real property. 

In addition freedom mortgage is stating that it holds security to a loan received from freedom mortgage to XXXX XXXX in the amount of {$6700.00} that was issued on behalf of XXXX XXXX from FHA. I am attesting that freedom mortgage and its affiliates in membership of XXXX ( mortgagors listed nominee ), have conspired to commit fraud against XXXX XXXX and FHA by one of Contesting that XXXX XXXX received any parts of the {$6700.00} or that any parts of this amount went towards my mortgage account with XXXX XXXX. 

Truly XXXX XXXX
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act " Impact XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-27
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. (IL)

XXXX XXXX XXXX XXXX has violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions. Also reporting inaccurate information.
Consumer complaint received 2024-03-27
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$270.00} CAPITAL XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$3000.00}
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: T.S. Holdings (TX)

The company has put a collection on my credit report that has ruined my ability to rent for the past 5 years. The balance is not valid and I have been disputing this balance for two years. I have emailed the company a list of items to mail me showing proof of ownership of this debt and they have not provided that. This collection item has caused emotion distress and I will be pursuing this in court if it is not resolved.