davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. Capital One advertises a Zero Liability Fraud program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

There is an old XXXX account showing on my Experian report that should have been removed. The date of default was XX/XX/XXXX, and it was sent to XXXX XXXX for Collection and then settled in XX/XX/XXXX and I have documentation of that transaction. I live in NY and it is my understanding that there is a 5 year purge rule for paid collections/charge offs. I have unsuccessfully tried to have it removed by calling Experian, XXXX, and XXXX XXXX. A couple of days ago XXXX dropped off my report, but the XXXX is still showing.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (OH)

This company obtained my personal information through third party companies and sharing it on there platform for reasons unknown to me as you can see in the file I have know knowledge of the companies on the report and how they obtained my personal information I never give consent to do so
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-11-21
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. (CA)

{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of $ XXXX via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.
Consumer complaint received 2023-09-01
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)

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NC)

My phone and computer started acting wonky, then I noticed my bank account missing funds that didn't add up. I checked my student loan amount, and I should only owe XXXX, not XXXX ... so I sent an inquiry about the loan due dates in XXXX XXXX Mohela was one of the companies that was supposedly sending out wrong statements so payments would be deferred automatically. I started school XXXX XXXX  again, after a XXXX  year break, I did not end up taking these classes and instead took a XXXX  class but my loans say they were A ) paid on time, I never made a payment since XXXX, plus XXXX just ended so everyone had until XXXX to contact and update the student info and I was technically enrolled and had my loan offers already made, I am also not getting the full amount of my loans after disbursement and XXXX not sure where the wires get crossed between the school, and the business office and financial aid all have different amounts, but XX/XX/XXXX rolled around and they assured me I ; d receive the rest of my funding which was XXXX still owed.
Consumer complaint received 2023-11-21
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. (MO)

I contacted the credit bureau after I made the complaint through XXXX and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently
Consumer complaint received 2023-05-18
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-05-18
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. (LA)

As I investigated my credit report, I found out that some of the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5300.00}.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I filed a fraud claim in XX/XX/XXXX with navy federal it had been credited then reversed due to a fraudulent check. I did not know that charges where put on my card when I found out I disputed them. I have sent them proof of the charges not being done by me or any family member. Ive also sent proof that the information they had given me had been false yet Ive been ignored for months. I filed four complaints through the cfpb two were the same description one was different and the other was a completely different subject referencing a recant to my first statement due to an error on my behalf. All four responses from navy federal where the exact same despite the claims being different but all dismissed me. I was told I could contact the lead in security XXXX XXXX. I contacted him he said he would have my case looked at in detail especially my recant and proof sent and I would be contacted. I still months later have not been informed of anything. I was sent one letter I requested in XX/XX/XXXX that had false information on it and nothing else. They have not replaced my lost debit card. They will not close the account. And the only information I can get from them is them saying oh well dont know what to tell you. So pretty much doing nothing for there customers. Its been four months and over forty phone calls some lasting hours but still no correspondence. My access number is not active. I even had a insurance claim filed and a police report and after the research they conducted it was found to be a fraudulent charge.
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (IN)

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. Experian has the same info reporting to their bureau as well.
Consumer complaint received 2023-11-21
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)

XXXX XXXX XXXX XXXX XXXX INQUIRE ON MY CREDIT. THIS appear on my credit i did not authorized XXXX  to run my credit and my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b error on credit
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MS)

It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.
Consumer complaint received 2023-09-25
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed XXXX {$440.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

I started having a transmission problem with my car causing me to not be able to work due to not having a vehicle. The extended warranty company refused to pay for the repairs when it was clearly covered. I am still in process of taking legal action against that company but that is besides the point. My dad had to pay for the repairs with money he didnt have and now I have emotional distress which I am intending to get from that warranty company. Nevertheless I am over 90 days past due and ally financial is my lender for my XXXX XXXX XXXXXXXX. I was XXXX $ past due but now I am XXXX $ past due and its only going to add up my car loan is currently sent out for repossession so they are looking for the car. Which was the last thing I wanted. I tried to resolve the past due balance with Ally by saying I will pay XXXX $ plus my normal monthly payment if you take off the repo and agree that we settled but they simply said I have to make this amount of payment to get out of repo but with my limited income right now I can only pay so much and not to mention the loan is XXXX $ which is XXXX $ more then what the car is worth my car is worth XXXX $ I know this because I tried to refinance with the credit union and no finance company will refinance me because of the fact the loan is more then what the car is worth and that is not even including the 12.36 % interest which would make it XXXX $ after 6 years and XXXX $ is too high of a monthly payment I even asked for a 4 month payment extension but they say no because once you modify the loan you cant get payment assistance but I did not know that because I did it online and i should of read the terms and conditions but due to my XXXX I was not thinking straight. All I was thinking about was the fact my monthly payment is too high. I even tried hiring a lawyer to talk to ALLY for me and it did not do me any good. Not to mention they are rude representatives I even asked to speak to a supervisor and they say they will call me they never did : mind you I asked over 10 times already and each time they did not return my call
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX  and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXXXXXX  I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.