davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

As of XX/XX/year>, I attempted to open a checking account for my XXXX child and was denied. Reasons unknown to XXXX trust its an assumption fraud or a debit owed on the old XXXX XXXX XXXX account showed up via chex systems , Inc. I am unaware of any debt and suspect fraud. I would like the information removed immediately!
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one as a company is adversely affected my credit in my authorized users credit adversely based off of in accurate information as well as situation that were completely outside of my control The information provided by Capital One had no specific dates and when I requested to get the specific dates, all they sent me was a copy of my terms and policy agreement. They would not give me the specific dates on when the alleged issue was happening capital one just insured me that would continue to try to debit my account as well as blemish my credit until the issue was rectified, even though the issue was not initiated by me this situation happened between the month of XX/XX/XXXX up until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Consumer complaint received 2023-11-13
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. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-30
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. (WA)

Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

MOHELA is a new servicer to me- and I am trying to repay the balance of my loans in full. In order to do so, I have to go through their " Payoff Calculator. '' The payoff calculator page has been down or completely removed for over a month now. Now, the page says to call them to do payoff. 

Considering that the student loan pause has just ended, it feels suspicious that they have make it more difficult ( when their payments have restarted again ). The call waiting list is over an hour long, and I have no recourse to make my payment online. It seems ridiculous that I can't pay online with the online payment system.
Consumer complaint received 2023-12-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (GA)

I purchased my car XXXX months later my motor blew in my car. I asked that they come get the car because its just sitting and my missed payments are going up. I told them the car went out in XXXX months no way this car was in good conditions.
Consumer complaint received 2023-12-14
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-30
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)

I hope this message finds you well. I am writing to follow up on my previous attempt to address the issue of a late open account on my credit report. 

Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial history. It is crucial to ensure the accuracy of my credit report for maintaining my financial integrity and credibility. 

I kindly request your immediate attention to this matter. Please take the necessary steps to correct the opening date of the account in question and ensure that my credit report accurately reflects my financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict XXXX XXXX XXXX XXXX  impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX Owed : {$150.00} ; XXXX FI XX/XX/year>.
Consumer complaint received 2024-04-30
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 hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict XXXX XXXX XXXX XXXX impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX Owed : {$150.00} ; XXXX FI XX/XX/2020.
Consumer complaint received 2024-04-30
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. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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. (TX)

Just put according to this law this company has violated my rights XXXX XXXX Code XXXX - Inquiries XXXX XXXX Code XXXX - Late Payments XXXX XXXX Code XXXX - Collections XXXX XXXX Code XXXX - Charge Offs
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One account # XXXX ), has 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 payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-04-30
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. (GA)

I trust this email finds you well. I am reaching out once again regarding the unresolved issues with my credit report. 

Despite numerous previous attempts and communications, the necessary corrections have not been made. The late open account and charge-off account continue to affect my credit history negatively, leading to potential financial repercussions. 

I urge you to prioritize this matter and take immediate action to rectify these inaccuracies. It is crucial to ensure the accuracy of my credit report to maintain my financial integrity and credibility. 

I kindly request regular updates on the progress of the corrections and removals. Additionally, I seek confirmation once the necessary actions have been successfully completed. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-04-30
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. (GA)

I trust this email finds you well. I am reaching out once again regarding the unresolved issues with my credit report. 

Despite numerous previous attempts and communications, the necessary corrections have not been made. The late open account and charge-off account continue to affect my credit history negatively, leading to potential financial repercussions. 

I urge you to prioritize this matter and take immediate action to rectify these inaccuracies. It is crucial to ensure the accuracy of my credit report to maintain my financial integrity and credibility. 

I kindly request regular updates on the progress of the corrections and removals. Additionally, I seek confirmation once the necessary actions have been successfully completed. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (GA)

This company has my account as a charge off. I have requested a 1099 no response from this company. Ive tried paying this vehicle off. No response. This company has rude XXXX FOREIGNERS WORKING FOR THEM THAT IS XXXX XXXX AND XXXX ARE XXXX AND REFUSE TO ABIDE BY AMERICAN LAW. XXXX has requested to purchase the vehicle but ALLY FINANCIAL WILL NOT RESPOND TO XXXX EITHER. XXXX has requested a letter of guarantee but ALLY IS REFUSING. IM WRITING THESE COMPLAINTS FOR THERE NEXT LAWSUIT. THE GOVERNMENT NEED TO CLOSE THIS COMPANY DOWN FOR GOOD. This company said XXXX cant buy my vehicle mind you my account is charged off in which the IRS HAS SETTLED THIS DEBT.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (IL)

This account or Auto Loan was opened without my knowledge or consent. My information was exposed in XXXX data breach. I have sent my police report and also my identity theft report and also my identity theft affidavit that Westlake sent to me, Its been well over XXXX months and the account is still reporting my XXXX credit report. According to Section 623 ( a ) ( 2 ) of the FCRA, this is a direct violation of my rights.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the COLOR OF LAW. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Credit Agencies continue to break the law, refuse my request of verifying debt and are now using stall tactics to delay their duty of providing verifiable proof of the debt. I received a letter today asking me to verify my identity and proof of address which has already been done multiple times. Please see the attached document which was sent to them certified mail on numerous occasions. My original request is now over 45 days old and must be validated or all disputed items deleted. My only remedy is to persist in reiterating the law. 

Federal law requires that they respond within 30 days, and they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Their continued delays are inexcusable.
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my deep concern regarding the inaccurate and incomplete information that has been reported on my credit file by your agency. It has come to my attention, upon reviewing my credit report, that there are discrepancies and errors that need immediate attention and correction. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

The credit reporting agency isn't removing an old debt. The information is incorrect, and balance was supposed to be remove since XX/XX/2014. Company agrees to remove the account after paid. Still showing on all three credit reports agencies.
Experian, XXXX.

It has been removed from XXXX and still showing on the other sister credit bureau.
Consumer complaint received 2023-03-15
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. (MI)

This is my several requests 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (VA)

Someone close to me on XXXX XXXX scammed my XXXX XXXX XXXX account through a one time transaction, money was transfered to my account through a different XXXX XXXX account, saying it was money he saved up and he needed help transferring it to cash, saying he would give me money for it he just needed my routing numbers and gmail, money got sent into my account and i helped him few hours later my XXXX XXXX is down and its saying i owe all this money, all that money i owed i never even touched i have screen shots and names i can pay half or make payments i dont want to get sued, also wanted to make a police report i talked to XXXXXXXX XXXX  over the phone they werent much help
Consumer complaint received 2021-08-05
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. (IL)

Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit XXXX. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.