davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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. (NC)

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (MD)

RE : File # XXXX CFBP Complaint ID XXXX Equifax needs to delete disputed accounts ( XXXX XXXX account # XXXX XXXX XXXX account # XXXX ) from my report within 14 days. According to Equifax, complaint ID # XXXX verified these accounts as accurate. Upon my inspection it is clear that accuracy and fairness of credit reporting by Equifax was negligibly noncompliant. On my Equifax report it shows my name as a XXXX XXXX XXXX  which is NOT ACCURATE. I have never been a XXXX XXXX XXXX  nor have I had XXXX XXXX XXXX in my name, other non-Equifax reports will confirm this. How can an investigation be " verified '' according to Equifax and also remain fair and accurate as defined under the 15 U.S. Code 1681 if the name is not accurate? The use of XXXX XXXX XXXX  denotes a totally different name and individual. Equifax has failed as required by the FCRA 15 U.S.C. 1681i et seq. and 15 U.S. Code 1681i et seq. and 15 U.S. Code 1681c et seq. and 15 U.S. Code 1681b et seq. I am requesting the correct update to my name, deletion of XXXX XXXX account # XXXX and XXXX XXXX account # XXXX from my report because they were never verified correctly and accurately at the time of investigation. Any continued failure to report otherwise will be witnessed as willful non-compliance and subjected to a {$1000.00} per day fee for each violation and after 14 days an attorney fee of {$25000.00}. Thank you for your attention on this matter.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for Experian and then shows it is opened on XX/XX/XXXX for XXXX and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TN)

In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. I am not XXXX  days late, and will not be XXXX  days late. They continue to repeatedly call me more that XXXX times per day.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attention dispute department XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX DELINQ XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX COLLECTION XXXX XXXX A XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX COLLECTION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX COLLECTION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX COLLECTION XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2024-04-07
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX, Transunion is XXXX XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, The company XXXX XXXX XXXX ( XXXX ) from XXXX XXXX wired from their bank XXXX XXXX XXXX XXXX to my bank Capital One via XXXX Bank ( the intermediary ) the sum of USD XXXX. 

To this day, despite providing the XXXX number, the remittance details, Capital One is incapable to give me an answer as of where my money is. 

I also went to XXXX bank to see if they can help me. Since the money will not go to a XXXX account they will not be able to help me. This is their own words. 

I strongly believe that one of them ( XXXX or Capital One ) has my money and doesn't know where to send it. It is crazy that they can not wire it to my account. 

I checked the account number on the remittance details to make sure it was correct. I checked the routing number to make sure it was correct. 
EVERYTHING IS CORRECT. 

XXXX is my last resort as I am getting nowhere.
Consumer complaint received 2024-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I was told at first that I could only be on a payment program for XXXX  year. I asked to speak to a supervisor, and she told me its not a set term, but at the discretion of the lender. I mentioned the website doesnt give much info either. I plead with her that I had been making payments and havent been late, she said there was nothing she could do. The last person who approved my payment plan didnt mention it was coming to a final end, but that I just had to renew every XXXX months. This is very shady business practices. Now I have to choose between my home and child or my loan. She said it would go against my credit report if I didnt make full payments at the full rate. Why would they do that to someone who is regularly paying? They have been shady all along. They all but told me to go into default and then reapply.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (IL)

I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account
Consumer complaint received 2022-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In late XXXX, I had a numerous personal commitment that unexpectedly took precedence to my personal responsibilities. My grandfather was diagnosed with a rare form of XXXX XXXX, XXXX  XXXX. Being the primary guardian for my grandparents I had new duties and debts that I was responsible for. During this unforeseen transition, I struggled to maintain my financial obligations and ended up with numerous late payments. As a result, the account was eventually charged off. My grandfather did not make it and passed away on XX/XX/XXXX. It took me some time, but I was able to get back on track. In XXXX of XXXX I contacted customer service settled the account. I was advised that if I settle the account I would be able to delete the negative history and the account would be updated to no longer show late or in corrections. A pay to delete deal. I received a better stating the payment was made and that they would update the credit bureaus. However its still showing late and XXXX out of no where this year updated the closed account and my score went down XXXX points.
Consumer complaint received 2022-12-21
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. (AZ)

CEASE and DESIST On XX/XX/2021 XXXX XXXX XXXX the consumer informed XXXX, Equifax, and XXXX that i was a victim of identity theft and provided them with a copy of my FTC report. It has been almost a year later and XXXX, Equifax, and XXXX has failed to provide me any proof of their said investigation as to me granting permission ( i.e. my signature giving permission for said transactions/accounts ) for said companies to use my personal information on any accounts that they have falsely reported to my consumer report. This notice serves as their second notice to correct the issue because as of now they are in violation of my CONSUMER RIGHTS which states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You have violated this consumer law of mines because you were notified of the theft and have been giving proof of my identity yet everything on my FTC report is not blocked and is still being reported on my consumer report. According to my CONSUMER RIGHTS, everything in my consumer report should be reporting to 100 % accuracy. It is not accurate if you are allowing identity theft to be reported on my consumer report which is another violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-11-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

I started receiving calls from Radius Global Solutions, and when I picked up, they told me I owed a debt. When I asked for what they told me for a XXXX XXXX past due debt of {$300.00}. I told them I would look into it, and they kept saying if I hung up, they would call the police, and I would go to jail. I hung up and called XXXX XXXX and they told me I did not owe anything. 

The company kept calling me and I asked for proof but they did not provide anything. I told them to stop the call then I saw on my credit report that I owed money. I asked them why and how to get this off my credit report and they told me to pay. I asked why do I have to pay them for a debt I did not owe. I even have proof that I do not owe anything, and they told me to pay. The collection is still on my account.
Consumer complaint received 2024-04-07
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. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank (TX)

I am writing to you as a loyal and longstanding client of 1st Progress since XXXX. Over the years, I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the FSTPROGRESS family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my payment for the month of XX/XX/XXXX. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my credit score, and I am genuinely concerned about its implications for my financial well-being. Given my long-standing history of prompt payments and my commitment to rectifying this situation, I kindly request that FSTPROGRESS consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that FSTPROGRESS has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/2024 I used this public link https : //www.americanexpress.com/XXXX to sign up for the XXXX point bonus. After sign up it only shows I am going to get XXXX. 

After communicating with chat support for about an hour I was told I was supposed to get a call back from a manager, which I never received.

From a quick search I see several other customers who are also having this issue and some were told the link was only valid if emailed to the potential customer. There is not such exemption in the terms, nor is there any indication that this a private offer only.

I, and several others, registered under the pretense that we would get what was promised in the terms, but have had the rug pulled out from under us in a bait and switch scenario.