davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I closed my account a few years ago. When I closed the account, they advised me to cut up my card, which I did. I now want to complete a balance transfer with another company however ; the full account number is not printed on my statements. I called customer service to ask for my full account number. After I fully verified my identity, I was told it was against their policy to provide the number over the phone. I asked to speak with a supervisor. I was then told it was against policy and she could not see it because the account is closed. I asked if they could mail it to me, she again said no. Now, I have no recourse to get my account number and am stuck paying this high interest fees when a balance transfer offer I received ( limited time ) has zero balance transfer fee and zero percent interest for 18 months. I can not afford to stay with Capital One and they will not provide my account information so I am forced to continue to do business with them. In addition, my account is closed, so the full account number would not do any fraudsters any good, plus I wasn't asking for CVV and expiration date, which would be needed - if the account was even able to have charges added to it. Please help, I need this resolved so I can take advantage of this other offer and save money. It isn't fair that Capital One will not allow me to take my business elsewhere.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be lateXXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-01-02
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. (MI)

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 2024-01-02
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)

XXXX XXXX  {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX {$10000.00} REMOVE ACCOUNT XXXX  XXXX  {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX  XXXX {$3400.00} XXXX  XXXX {$1500.00} XXXX requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

I want to change my repayment plan. The only way to do so is to talk to someone on the phone or chat with an agent. I have attempted to chat with an agent many times, and every time the system is down. Every time I try to call the wait time is over 8 hours. I really need to change my repayment plan and can not because of these issues.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-04-28
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: SYNCHRONY FINANCIAL (VA)

Company : JCPenney  Date : XX/XX/2022 Amount : {$3.00} late payment by the company In accordance with the fair credit reporting act JCPenney, has violated my rights. 

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

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

15 USC1666B : 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 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Oh XX/XX/XXXX I was sent a letter from self financial stating that they was allowed to furnish anything on my account with my consent. I was never given the chance the opt out of there privacy disclosure at all. They are not following the XXXX XXXX part XXXX under The XXXX XXXX about giving a chance to allow the consumer to opt out of the disclosure of the consumers nonpublic personal information to a nonaffiliated third party if the disclosure is outside of the exceptions. So now that they violated my rights under that act.I would like this removed all late payments and all negative information related off my credit report on Experian account # XXXX is self account number.
Consumer complaint received 2023-03-06
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. (CA)

I sent a letter on XX/XX/2023, to remove the accounts that are UNKNOWN to me. The items have an erroneous status and it is detrimental if it remains in my file. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$3900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquires : 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 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (LA)

Was told online through myloans that i was on a forbearance until XX/XX/XXXX. I did not make a payemnt due to being in forbarence which was told by flagstar I was not in forbarence but online said I was. Stated on myloans " on active forbarence until XXXX I have been trying to resovle this for a year now and they have me as active foreclosure. They did not tell me that I had a morgage modification in XXXX or XX/XX/XXXXXXXX  so now the loss mitigation team will not work with me they give me no option but to pay over {$40000.00}. I would not be deliquient or in this mess if did not believe to be in a forbarence that i was lied to about. Due to this I owe alot due to the backowed amount due to believing I was in forbarence.
Consumer complaint received 2022-08-30
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: Self Financial Inc. (PA)

In accordance with the Fair Credit Reporting Act Self Financial/ lead bank has violated my rights as a consumer. 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 a account without my written instructions. 15 USC 1666 B : 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 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights as a consumer. 

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 a account without my written instructions.

15 USC 1666 B : 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NM)

This file was removed and reappeared. It is over 7 yrs of age. Also, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Account Original creditor XXXX XXXX XXXX Account number XXXX. REMOVE IMMEDIATELY .... 
I will sue both Credit bureau agencies, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (AZ)

The company indicated on XX/XX/2023 that the information was removed and it is showing with a social security number that is not mine. I have reported this to the credit bureau and it is under investigations. I am requesting this error to be removed from my credit file immediately as indicated by the company.
Consumer complaint received 2024-01-02
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. (TX)

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : 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 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

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 a account without my written instructions.

15 USC 1666 B : 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 2023-12-11
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)

The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the account.
Consumer complaint received 2024-04-23
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. (PA)

RE : XXXX XXXX To whom it may concern, I, XXXX XXXX XXXX, never gave Equifax, any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was recently released from XXXX XXXX and I made a XXXX XXXX account and noticed a number of accounts that were not mine. I have been in and out of prison since XXXX ( being released most recently XXXX of XXXX with a 5 year sentence ) and was XXXX according to the dates the accounts were opened so I contacted all three bureaus verbally and in writing I submitted evidence of my XXXX, a police report, and an identity theft report, along with my ID showing I am indeed XXXX XXXX and that the dates of these accounts could not be mine due to my XXXX. I requested per 15 U.S. Code 1681c2 that the items be removed within 4 days and that the creditors be notified it was identity theft. They responded saying Valid. I then requested proof of the investigation because there is no way it was valid. I requested copies of applications, Identification, signatures and anything else associated with these accounts as well per 15 U.S. Code 1681d and was never responded to. 

The accounts are 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 My Identity Theft Report reference number is XXXX My Police Report Tracking number is XXXX I also submitted the same items attached to this complaint via mail with my disputes.
Consumer complaint received 2024-01-02
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. (FL)

I am writing to file a formal complaint against TransUnion regarding their refusal to investigate a dispute I submitted in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a dispute letter to TransUnion, challenging the accuracy of information in my credit report. The items disputed include incorrect personal information, as well as account listings for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and public record XXXX. 

Despite my efforts to rectify these inaccuracies, I received a response from TransUnion dated XX/XX/2023, where they unjustly refused to investigate my dispute. Their assertion that I am using an unauthorized third party is not only unfounded but is also a violation of my consumer rights. The FCRA mandates that credit reporting agencies investigate a consumer 's dispute within XXXX  days of receipt, and TransUnion 's failure to adhere to this requirement is concerning.
Consumer complaint received 2024-01-02
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. (SC)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

My loans were fully discharged, and a credit balance remains that is supposed to be refunded directly to me. My account has been in a credit status as of XXXX XXXX. These accounts were removed from my credit bureau shortly after, but I still have not received the due refund. A refund remains in the amount of {$5300.00}. I reached out via email on XX/XX/2023 and was advised it takes 7 months from XXXX XXXX for my case to be processed. I also sent another communication on XX/XX/2023 but have not received a response.