davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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)

XXXX, equifax have inquiries i dont recognize or authorize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma (OK)

There was an overpayment that was made to my XXXX bill matrix account on XX/XX/11 in the amount of {$100.00} which includes a {$2.00} fee for payment online. I contact credit karma to dispute the payment. The agent I spoke with advise me that he had to disable the card and send a new card. Well since then the company XXXX BILL matrix has been trying to send back the funds to the card that us XXXX. Which I have attached the screenshot of the return. Now with the card being XXXX my funds are sitting in the air. I spoke with credit karma to dispute the charges so my funds can go back to my new card and not sit in limbo. Every single agent is no help. The only words they can provide is " there is no duplicate charge.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (AZ)

I was never given any letters that it was going to collections. I had no Idea. I have not lived there in a while but I think my friend renewed the lease after I left. I was living in XXXX form XX/XX/XXXX to XX/XX/XXXX due to my grandpa being sick My grandpa passed away in XXXX of XXXX and that's when I came back at the beginning of XXXX. My friend was helping me with rent while I was gone for the remainder of the lease that was up on XX/XX/XXXX and that was the last that I knew of the lease. I actually tried to contact her to get my things before the lease was due but I was unable to get in contact with her.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I submitted all required documents to XXXX and even spoke to someone named XXXX at XXXX on XX/XX/24 that all but assured me that she had the necessary documents that I had submitted to resolve my issue after XXXX attempts. It is still not resolved as of today when I received an email from them telling me that my dispute was closed again. My student loan balance was completely forgiven almost a year again and it is still showing that it is a active balance from Nelnet on my credit file. This is not correct. Please help me.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am a joint owner on my mother 's checking and savings accounts with Capital One. The accounts were locked by Capital One on XX/XX/2023 after I notified them my mother had passed away. 

On XX/XX/2023 I submitted the required documents ( notarized Letter of Instruction, death certificate ), I did not received any response until XXXX/XXXX/XXXX  when the Letters Testamentary were requested. I submitted the court document I received showing I am the executor of the estate and the personal representative for probate on XX/XX/2023. 

On XX/XX/2023 Capital One requested executor documents again, I responded asking what specifically I need to submit, I have sent everything they requested. These are also the same documents I used to close all other accounts for my mother with her other banks. They responded they would need to speak with their legal department. 

It is now XX/XX/2023, I have not received any additional response from Capital one. When I call customer service I am told the estate department does not have a phone number, only email. They do not respond to email. Currently they are holding all money in the account and will not allow access or closure of the account. I can not get in touch with anyone at the bank.
Consumer complaint received 2024-05-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Western-Shamrock Corporation (OK)

On XX/XX/year> I was contacted by phone ( XXXX ) XXXX XXXX by Western Shamrock XXXX, Located at XXXX XXXX XXXX XXXX XXXX, OK XXXX. I spoke with Office XXXX XXXX and she advised me of an upcoming payment due, I requested information to retrieve an accurate amount of the debt I owed. XXXX stated, " Do not worry XXXX XXXX, we will take you to court and garnish your wages ''. Western Shamrock has documentation of my single source of income being my veteran 's XXXX. Since the date of being notified of being sued by Western Shamrock, I received two more phone calls on XX/XX/year> at XXXX XXXX  and on XX/XX/year> at XXXX XXXX from XXXX, as well as leaving a voicemail stating " it is important that I contact her regarding my account ''. Western Shamrock used threatening methods ( threatening to take me to court ) to attempt to collect a debt, a violation of debt collection fair practices of the XXXX
Consumer complaint received 2023-01-27
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. (DE)

The following inquiries are reporting illegally to my credit profile. I I DID NOT AUTHORIZE NOR CONSENT to any of these credit applications : 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 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 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When the debt first appeared on my credit report it was for XXXX XXXX XXXX orginal collection date was XX/XX/2016 balance was XXXX. I substituted a dispute letter for this debt in XXXX of 2016 with all 3 credit bureaus and it was removed. I had noticed it back on my report with a different collection agency XXXX XXXX with a new balance and a new original collection date. I then called the credit bureaus and informed them that this is not my debt and also of the change of collection date as well I was told it was going to be removed due to that matter and it's still there. I gave them the file number of the first dispute letter so they could see that the dates were changed the guy verified it was and assured it would be handled when speaking with XXXX and the same assurance when speaking with transunion. I explained how this affects one credit and they spoke as if the understood but apparently lied. I have sent out another set of letters concerning a inquiry from XXXX XXXX XXXX, and XXXX  and they have yet removed them from my report. I have asked to remove willow trace with the copy of the letter that was sent once I paid the debt that is was to be removed from my credit as well. I have not yet received correspondence from any parties yet that it will be remove. I'm completely over writing these letters and calling at this point and I'm starting to feel there is some truth about what I hear in the news about the bureaus because of this matter.
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX, 2017, monthly mortgage payment {$980.00}, I received an email from Mr. Cooper who wanted my payment by email and then I called Nationstar Mortgage.
Payment and payments always were payable to Nationstar Mortgage. I was never notified that they changed their name to Mr. Cooper.
I expressed to the representative that anyone with the name of Mr. Cooper can deposit or cash payments. I have 20 years of banking work experience and know that fraud can occur. Also called my bank and other banks to verify that fraud can possibly occur because of the name change to Mr. Cooper and the bank 's response was " yes ''. Mr. Cooper 's representative said I had a wrong mentality and that no one by the name of Mr. Cooper can cash or deposit my mortgage payment payable to Mr. Cooper other than them. I 'm very concerned that my mortgage payments may not be cashed or deposited to a mortgage company. If fraud should happen, how can I prove who and why my mortgage payment was deposited or cashed by someone else by the name of Mr. Cooper? My home is important to me and feel this can lead to a serious problem to me and other customers.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Was charged {$40.00} in fees and {$12.00} in interest in statement for period ending XX/XX/2023. Payment was due XX/XX/XXXX. Payment was sent from XXXX XXXX  on XX/XX/XXXX. Total new balance on statement for period ending XX/XX/2023 was {$52.00}. I called Capital One to complain about the late fee and interest since the check was mailed two weeks ahead of the due date. They waived the late fee of {$40.00} but would not waive the interest. I asked if making a payment of {$12.00} would fully pay the balance and they said yes. I paid the {$12.00}. 

On the statement for the period ending XX/XX/2023, there was a fee of {$25.00}. I called Capital One to inform them that there should be no late fee since I paid the previous balance on time with the {$40.00} fee adjustment and the {$12.00} payment. They said the fee adjustment did not count as a payment and since I only sent in {$12.00} and not the entire {$52.00} I was subject to the fee and they did not waive it. 

This seems inappropriate as the adjusted new balance following the fee adjustment would have been {$12.00}. Additionally, their representative stated that me sending {$12.00} would pay the balance in full. 

It also seems to me that Capital One may be delaying the reciept/recording of check payments in order to charge fees. They are the only company out of many that I pay via check that have had issues receiving payments on time.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-04-11
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)

It seems that once again, my credit file has been compromised. Upon reviewing my records, I've discovered numerous items that are not mine. As someone who values thorough research, I've learned that under section XXXX of the FCRA, there's a legal obligation to remove any fraudulent items resulting from identity theft. The disputed items are not associated with me. I've attached the necessary FTC Report for your reference and for the bank 's records. Kindly proceed with the removal of these items. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-11
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)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-17
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. (NY)

I am a XXXX XXXX XXXX XXXX XXXX XXXX. As a result I am the victim of identity theft. XXXX XXXX XXXX is helping and can not see my personal information. I'm trying to have the proper information added and the false personal information removed.
Consumer complaint received 2023-10-19
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-11
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. (SC)

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 XXXX party. They in fact did not come from a XXXX 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 2024-04-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
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. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
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. (MI)

I am writing to dispute unauthorized inquiries listed on my credit report. I noticed several inquiries that I did not authorize or recognize. The unauthorized inquiries are as follows : XXXX XXXX XX/XX/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 According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. According to XXXX XXXX Transunion XXXX, the credit bureau is supposed to ensure maximum possible accuracy, the account violates these laws Delete the follow inquiries 15 U.S code 1681i 15U.S code 1681s-2 15 U.S code 1681I ( 5 ) 15 U.S. Code 1681b 15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681n 15 U.S. Code 1681e
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CO)

I have several unauthorized hard inquiries on my credit report that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

paypal is billing me for a charge i did not make or i did not apply for their card or any credit. i have tried 14 times to have them stop harrassing me but they continue. please have them stopped
Consumer complaint received 2024-04-11
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I got my credit report Notice on my credit report agency 's showing no payments or late payments with missing. Which wasn't true. I Made XXXX XXXX XXXX XXXX  ) always on time don't miss payments l spoke to company Name ( XXXX XXXX XXXX XXXX  stated credits bureaus companies reports Late the company manager gave me printouts to disputed. 
Negative rating notices no changes scores instead no changes l haven't been late or miss payments from company.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I got my credit report Notice on my credit report agency 's showing no payments or late payments with missing. Which wasn't true. I Made ( XXXX XXXX XXXX ) always on time don't miss payments l spoke to company Name ( XXXX XXXX XXXX ) stated credits bureaus companies reports Late the company manager gave me printouts to disputed.

Negative rating notices no changes scores instead no changes l haven't been late or miss payments from company.