davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (TX)

We applied for a Home Equity Loan with Discover Home Loans on XX/XX/2023. We have credit cards and bank accounts with Discover and have had a relationship with them for several years so we thought this would be the best decision. We have never had any issues with the service they have provided until now. I have submitted all required documentation and some of the documents that I submitted on XX/XX/2023 are still pending REVIEW! 

I've called Discover a total of 7 times since XX/XX/2023 and this is quite ridiculous at this point. I've spent a total of 62 minutes on the phone with Discover because their portal is not updated with the most recent information based on what the reps have told me. I don't have time to call and sit on the phone. All of the reps that I've spoken with have been so nice and professional but the document collector XXXX XXXX needs to be replaced with someone that's more responsive and efficient for our file. I work in the mortgage industry so I understand how this process goes to a certain extent with needing to have all documents submitted in a timely manner to move the process along. I read that Discover could close in about 4 weeks if the customer stays on top of their to-do items. This seems like it won't happen since XXXX is unresponsive. We just want to tap into our equity to pay off some debt and get some matters in order for our family. Why is this so hard? This seems like the perfect case of disparate treatment and we don't appreciate being put on the back burner because we don't fit the criteria of most people who may be able to obtain and afford a home equity loan. Someone within the company needs to intervene and asap!
Consumer complaint received 2023-05-21
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. (FL)

i didnt authorize a hard pull on my credit from XXXX XXXX XXXX XXXX or XXXX  XXXX, i would like those hard inquiries removed please.
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: Spring Oaks Capital, LLC (FL)

This is not my account never used applied or know what card this is fraud called close remove it never opened this ruin my credit I want off my report please XXXX not right no authorization on there I didnt not apply or open please remove Ive disputed several times called try pay off fake amount this fraud and stealing money I have no idea who XXXX XXXX is thank you please remove Im trying refinance my house
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account # XXXX and amount of {$690.00}, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX, has violated my rights. 

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
Consumer complaint received 2023-02-08
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: LJ Ross Associates (AK)

My credit is being negatively impacted by this reporting that I do not recognize. I was notified few years ago my XXXX for an unpaid electricity bill. The account belonged to my ex-wife and the problem was resolved long ago. It appears that she never took care of it and the company is harmfully harassing me. 

I called the collection company and informed them that this information is wrong and harmful. They never cared about what I said and the report is damaging my credit. I work too hard to be harmed this way. 

This information needs to be completely removed and my credit repaid immediately.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MO)

I called XXXX to have my number ported to another provider XXXX XXXX, 2022. They ported my number and I started service with another company. I got a bill From XXXX for XXXX XXXX in the amount of {$59.00} even though my last call with them was XXXX XXXX, 2022. I paid them a month in advance when I started the service, and so I should have had a credit coming. Even if they refused to credit me for the partial month I paid in advance, I used XXXX services through XXXX XXXX, so they should only have billed me for XXXX XXXX in the amount of {$17.00} ( 9 days @ $ XXXX = {$17.00} ). Instead, they billed me for the full months amount of {$59.00}. They turned me over to a collection agency, Afni, and when they called today, I explained all this to them and offered to pay {$17.00}. The agency refused and I told them I would be filing complaints with XXXX  and CFPB. Since XXXX turned this over to a collection agency, this will negatively affect my XXXX XXXX. I have worked hard to pay my bills on time, and I currently have a score of XXXX. I don't think it's fair that a business who is trying to scam a person out of money should be able to negatively affect a persons credit score.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My XXXX XXXX has a due date of the XXXX of each month. I paid at XXXX on the XXXX of XXXX, only to find out that a late fee has already been applied to my account. I contacted Capital One about this and they Confirmed my due date is the XXXX, that today is in fact the XXXX, but stated the late fee would not be removed.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I received information that I had a XXXX XXXX 2012 I spoke with the told them I never had this vehicle and also a house as well I dont have any information they wont give it to me Ive been living here in XXXX XXXX all my life Ive never lived in no other state I never bought a house a car either can I get a police report
Consumer complaint received 2023-12-29
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. (FL)

I ask the credit reporting bureaus to do a verification of validation of debt. All credit reporting agencies stated that the debt were verified. I also requested how and who these credit reporting agencies used to validate person ( XXXX ) debt. After several months I still have not received any communicating with Original contracts showing debts are validate as my debt. I personally did some research myself a found many inaccuracies that proves the debt was not properly verified. 

In Accordance with the Fair Credit Reporting Act, 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 the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

I do not know why LVNV Funding is reporting as an open collection on my XXXX, XXXX, and XXXX credit reports. There are two different accounts that are listed under LVNV Funding and they reported that they are a debt buyer that is reporting. They can not do that. I Received no correspondence of owing a debt when these accounts were paid off and closed. I looked up some information to contact them directly only to find out that they are not licensed to collect in my residential state of Michigan. Please delete the following accounts from my XXXX, XXXX, and XXXX reports for improper use and inaccurate reporting please : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX. ) - Account # XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received an email at XXXX XXXX XXXX on XX/XX/2023 about someone signing into a Capital One account in my name using a different device. I then recovered the username using my email and discovered someone opened a Capital One checking account in my name. I attempted to call Capital One to report this, however I was told by the credit card department that I would have to wait until the morning to speak to someone from the checking account department.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SD)

I reported a fraudulent charge. Synchrony Bank closed the account. They said they would send a replacement credit card. They never sent a replacement card. There is a credit balance on the card. I can not access the credit balance because I no longer have an account since a replacement card was never sent. When I tried to solve the problem with their customer support, they required me to prove my identity with full face scan. Then they sent a verification code to prove my identity but when I try to report it online it claims my social security number is invalid. Customer Support keeps forwarding me to other departments. I still have no way to access my credit balance. This is an endless doom loop.
Consumer complaint received 2023-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an account that is currently reporting diffrently to each beuroe. i have disputed this account numerous times with each beroe. they st6ate that the data furnisher has varified the account they also have not provide me with verification of dept. This account is reporting illgally and should be removed at once from my cunsumer profile.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (IN)

Discover credit card company refused to take there company off my credit report. I dispute this account more then once. This discovery credit card is affecting my credit score from buying a home. Discover credit card said this is. My account and this account isn't mine it was open fraudulent.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All filled inquiries on my Equifax report without my permission
Consumer complaint received 2023-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I guaranteed a school loan for my daughter XXXX and a lawsuit was brought by National XXXX or their assignee back in XXXX. The matter was settled by a stipulation that was filed on the Court Docket. The total settlement amount was {$12000.00}. The following payments were made : XX/XX/XXXX - {$4400.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} The matter was stayed due to the pandemic and then, to my understanding the balance of the debt was forgiven. I have heard nothing further from plaintiff 's counsel, as required, in order to enforce. 

Last week, I received two telephone calls from XXXX XXXX ( XXXX ) who claims that he is acting on behalf of a third party debt collector, XXXX XXXX XXXX XXXX Today, XXXX XXXX XXXX XXXX XXXX insisting that I owe {$35000.00} and he should arrange for me to call and pay immediately - and should I fail to do so, he will immediately seize my property and XXXX XXXX property. 

I called XXXX. He demand {$35000.00}. I told him about the stipulation and court case. He claimed that no stipulation exists. I told XXXX that under the 15 USC 1692g he was under an obligation to send me a demand in writing and to afford me the right to validate the debt in writing. He claimed that neither he nor his company have any obligation to follow 15 USC 1692g or any other " silly rule ''. 

XXXX has committed the following acts of wrongdoing : a ) Misrepresentation that {$35000.00} is due when in fact, no debt exists for that amount. 
b ) Refusing to recognize the court case ( attached ), the stipulation of settlement ( attached ) and my payments ( attached ). 
c ) False and Misleading representations as prohibited under 15 USC 1692e.

d ) Violation of 15 USC 1692f for threatening to take nonjudicial action to seize my property when in fact, no legal right exists to seize my property.
Consumer complaint received 2024-04-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation to modify accounts that are reporting incorrectly. This company have filed to report accurate information as 15 U.S.C 1681s-2 ( A ) ( 1 ) Also this company did not have my written permission as 15 USC 1681 Section 604 A Section say Also I have right to privacy as 15 U.S.C 1681 section 602 A.

Please hold these company accountable and reomove these accounts that are interfare in my life.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-12
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 Follow-up 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 items 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 alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Me and my husband applied for a credit card we were sent a pres-screening. We both applied my husband doesnt work I work he was approved for {$25000.00} with no income and a credit score of XXXX charge-offs etc. I another hand was approved for {$15000.00}. I have a credit score of XXXX better and I work I have all the income. I see that this is a discrimination of some kind either gender or race. I want to know who to talk to you I have sent letters nobody has respond. All I asked was that I have the same respect as my husband as a white male and as a female can I please get somebody to help me with this situation its been going on for years Ive sent a letter nobody replied back, and I do have a copy of the letter that I sent a year or two ago. Also, I have a plied for a credit increase. Several times I was denied Ive always paid my bill on time. I have once have even paid off the credit card and I was still denied for a credit line increase even in the last year.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

Afni has sold a collection that was formerly terminated and removed from my credit report. I received another letter from a debt collector for this unproven debt. I have submitted and sent off several letters which I can provide if needed and this is still not rectified. This company needs to leave me alone as I have no outstanding bills for XXXX XXXX XXXX. I am currently with XXXX XXXX XXXX now and my services are up to date. This collection should be completely seized and this company should not reach out to me any more.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

Navy FCU ( Finance ) These companies have violated my rights. 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.