davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-05-07
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. (IA)

I have submitted several complaints about my XXXX XXXX XXXX XXXX XXXX account # XXXX which has been entered into THE FRESH START INITIATIVE PROGRAM as not reporting correctly. After the last round TRANSUNION did remove the account and the negative marks yet they failed to remove the debt owed as this account with XXXX XXXX is a COLLECTION AGENCY and NOT my Student Loan Officer. So it will eventually show the debt as TWICE as much on my report. XXXX has now fully removed the account and the debt owed as it SHOULD BE reporting on all of my credit reports. 
TRANSUNION is now violating my right under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors
Consumer complaint received 2023-04-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am complaining about Walmart and the capital one Walmart rewards card. I made a purchase online through walmart.com with the Walmart rewards card by capital one on XXXX XXXX. They charged it, the item was shipped, then on the XXXX they put a charge against the card again for the same amount. I only ordered one item, one time- but they charged twice. This is not the first time its happened, it happens quite frequently. And then I have to work the phones and waste my time to try to get them to fix it. I call capital one they say its a Walmart problem. I call Walmart. They say its a capital one problem. No one will fix it, so I want to know what I can do about this because its ridiculous that they keep double charging me for things that I order when I patronize them, I think its a type of fraud and theres no telling how many times they do this to people that havent caught it and theyre getting rich off of ripping people off something needs to be done.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir or Madam : I've been notifying Transunion that the information on my credit report are inaccurate, my identity has been stolen and used for fraudulent purposes. Someone has used my identity to engage in the following type of fraudulent transactions : * Credit cards * Loans * Student loans I'm a victim of Identity theft, this situation turned my life upside down. It is like a nightmare as I'm having difficulties to clear my name and credit report. Please assist me with your help in this case. 

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
* Harassed by debt collector or creditor. 

In addition, I have lost XXXX hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : XXXX, XXXX and TransUnion : *regarding the identity theft and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with XXXX and XXXX : XXXX still did not clear my credit report after numerous attempts to remove fraudulent accounts from my credit report. And XXXX made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. I have contacted the FTC and filed a ID Theft report. 

I have had the following problems with companies that I contacted regarding my identity theft : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-04-10
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-12-01
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. (CA)

Name & Account Number XXXX - XXXX XXXX XXXX - XXXX Name Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (NC)

This is my 8th attempt to inform you that I am a victim of identity theft and that I wish to contest some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Good morning. As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX  account to a partner in XXXX, and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court . Both have committed perjury in court by making misstatements about XXXX XXXX financial condition on the XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since 2017 in court. Index number is XXXX, in XXXX  court . 
We received the attached letter with unexpected fees and a threat to foreclose on the home in XXXX, by Nationstar. I am requesting legal representation. 
We have paid another {$5000.00} to Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX And he is not able to help to stop the foreclosure.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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
Consumer complaint received 2023-08-07
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-06
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. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. XXXX XXXX knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every 4 to 6 months, these debt collections show up on my credit report. They are always from the same companies. These are XXXX XXXX XXXX and XXXX XXXX. This has been going on for several years. At first, I was disputing them. I never received any information on action taken or why they were there. After a month or so, they would just magically disappear. Lately, I have been ignoring them and the same thing eventually happens. The problem is that these reports are destroying my credit ability. Are these different agencies not responsible for keeping records of these transactions and letting me in on what is going on? I am at the end of my patience. I was so glad when I found out about this place where I could get help. The agent I first talked to was very helpful and very patient. His name was XXXX, and I am very grateful to him for his assistance.
Consumer complaint received 2020-07-31
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: National Credit Systems,Inc. (CO)

Opening this complaint in response to National Credit Systems not doing anything with previous complaint XXXX. NCS response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client NCS is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 ( XX/XX/2017 ). National Credit Systems can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Upon checking my credit report in XX/XX/2017, I noticed there was an error in status on one of my accounts. XXXX indicated I had an open collection account. This account is paid in full. I sent a letter to them asking for a correction in status. I received a response indicating the account changed to paid collection. According to my current credit report, this was not done. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not making this correction in a timely manner they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/2017 I sent Equifax a letter asking for validation and proof of my open collection. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX and/or Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my  credit reports.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had some fraudulent activity on my account on my account in XX/XX/2018 statement. I disputed the charges and they were all ruled in the merchants favor. Afterwards I sent a certified letter asking for the evidence that led to their decision. However I never received and of that information.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Secured MasterCard website states : " if you make your first 5 monthly payments in time you will get access to higher credit line with no additional deposit needed, you may also earn credit line increases based on your payment history and creditworthiness " After 12 months of payments in full and on time I asked for a credit line increase. I received a declination letter that stated " Unsecured credit line increases are not available upon request on Secured Card Accounts '' clearly contradiction and false advertising
Consumer complaint received 2023-10-02
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. (GA)

I accordance with Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-04-10
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Consumer complaint received 2023-04-21
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. (NY)

When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying proof within the legally required amount of time. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX