davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (TN)

This is my NUMEROUS request 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, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} 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 XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (IL)

I HAVE REACHED OUT TO XXXX, EQUIFAX XXXX XXXX TO NOTIFY THEM OF UNAUTHORIZED ACTIVITY AND IDENTITY THEFT. I HAVE ALSO SUBMITTED AN IDENTITY THEFT REPORT ALONG WITH COPIES OF ID AND SOCIAL AND OTHER VERIFIABLE IDENTITY DOCUMENTS THAT FUTHER SUPPORTS MY COMPLAINT. MY IDENTITY WAS COMPROMISED A TIME BEFORE AND YET HAS NOT BEEN PROTECTED BY BUREAUS NOR HAVE THEY CORRECTED THIS ISSUE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I contacted HSBC concerning my payments history and statements for year XX/XX/XXXX-XX/XX/XXXX. I also informed the HSBC Rep that I had gotten the escrow check that was set XX/XX/XXXX. I informed the HSBC Rep that the check had my name and my Ex husbands name. I informed the HSBC that the previous check had my name only. 
The HsbC Rep instructed me to send the divorce decree and quit claims deed. I forwarded the information immediately. I called later to confirm that they received the information. The HSBC Rep sent the payment history to my email address and instructed me to call Tuesday to get the statements. I called Tuesday and got the statements. The HSBC Rep stated that someone should be contacting you concerning the escrow check.
Consumer complaint received 2018-11-16
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
I have file this report because I'd like to clear my good name.
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (NC)

Spoke to XXXX and XXXX at Receivables Management Partners on XX/XX/XXXX. Filed an official dispute of debt. XXXX confirmed all collection efforts will stop until after the debt is verified ( or not ). 

I received 2 calls on XX/XX/XXXX, 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, and 1 call on XX/XX/XXXX.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-20
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. (MT)

XXXX XXXX Account XXXX sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX  XXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX XXXX reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I looked on my credit report and seen that a credit card account for {$300.00} was opened in my name with Capitol One without my knowledge or consent. The account was charged off. This account is fraudulent and was not opened by me.
Consumer complaint received 2024-04-15
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. (OH)

Company is reporting inaccurate information on my credit report. I have contacted the local bankruptcy court in my country and they have no records of a bankruptcy in my name. Account number XXXX should have been removed in 2022. Please see supporting documents and remove immediately.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (OH)

My mortgage is with Truist. I bank with XXXX Bank. I use XXXX XXXX to pay all my bills. When I use bill pay to pay Truist, Truist will NOT accept electronic payment from XXXX. My bill pay actually cuts a check and sends it in the mail which significantly increases the amount of time it takes for Truist to record my payment. All sorts of other financial institutions and companies accept electronic bill pay payments from XXXX but not Truist? Why is one of the biggest banks in the country refusing to let XXXX Bank send the payment electronically? XXXX has tried to make the change at least twice for me but Truist won't accept the money electronically. Again, this significantly delays the amount of time it takes to record my payment to Truist. Thank you for your attention to this matter.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Capital One Account XXXX sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. Capital One violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given Capital One written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of Capital One reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had opened an account with citizens bank and at the time I hadnt realized that my identity was being compromised. I had received this report from XXXX XXXX and there were some issues that I had. I just need an explanation of what happened. Also they have all the wrong contact info for me. I lost access to that email phone number and I dont live there anymore.
Consumer complaint received 2023-12-20
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
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. (CA)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been in talks with Navient every month. I have had issues with making payments but have been on the phone with them multiple times. I have more than one loan and about every month I get a letter saying that Im about to default on my loan. I have called before to set up automatic payments. I now have an auto pay of {$130.00} being debited from my account on the XXXX of every month. Last month, Navient even took my pay out a week early. I have called and asked if they are crediting the right account. I am met with people on the phone who laugh this off as a mistake with a Im not sure exactly what is happening. Every time I call I ask if this monthly payment will make everything current and I wont get anymore threatening letter. They say that I am in the clear. Yet, XX/XX/XXXX, I received a letter saying my account is a 160 days delinquent. In XXXX alone they have received {$200.00} ( XXXX ) {$130.00} ( XX/XX/XXXX ), which was supposed to be on the XXXX, and once again {$200.00} XX/XX/XXXX. I have literally no idea what to do any more as Navient doesnt seem to even know where they are putting my money. This has destroyed my credit score over time and I feel as if my interest rate does not accurately reflect my payments since Navient doesnt know where my money goes.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-15
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. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Formal Complaint Regarding Unresolved Issue with XXXX XXXX Account and ALLIED COLLECTION SE Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an ongoing issue with XXXX XXXX XXXX XXXX XXXX XXXX ) and ALLIED COLLECTION SE. I believe that my consumer rights have been violated, and I seek your assistance in resolving this matter. 

Account Information : XXXX  Account Number : Unknown ALLIED COLLECTION SE Account Number : Unknown Summary of the Issue : I had an account with XXXX, and the balances was paid in full on XX/XX/2023 However, I recently discovered that this account is still being reported on my credit report through ALLIED COLLECTION SE. Despite my attempts to resolve this issue, the problem persists, and it is adversely affecting my credit score. 

ALLIED COLLECTION SE Contact Information : ALLIED COLLECTION SE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV  XXXX Phone : ( XXXX ) XXXX When I contacted ALLIED COLLECTION SE, their representative informed me they had sent the account information to the credit reporting agencies. This has resulted in inaccurate and damaging information being reported on my credit report, even though the underlying debt has been satisfied. 

Steps Taken to Resolve the Issue : Contacting XXXX : I have contacted XXXX multiple times to rectify this issue, but they have been unable to resolve it. 

Communication with ALLIED COLLECTION SE : Despite informing ALLIED COLLECTION SE of the deletion status of my account, the erroneous information remains on my credit report. 

Requested Action : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting by ALLIED COLLECTION SE. Additionally, I ask for assistance in ensuring that XXXX updates its records to reflect the correct status of my account. 


I appreciate your prompt attention to this matter and look forward to a resolution that removes the inaccurate information from my credit report. Thank you for your assistance.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I used Capital One 's bill pay service to mail my rent payment for XXXX on XX/XX/XXXX. The amount deducted from account on XX/XX/XXXX was {$1800.00}. The payee did not receive the payment and notified me on XX/XX/XXXX. I contacted Capital One and was told to file a claim, and the money would be returned to my account in 3 to 5 business days. Today is XX/XX/XXXX and I have not had the funds returned to my account. I have made numerous calls to Capital One and have been told it would be 3 to 5 business days, and also 10 business days ( I had never been told the 10 business days until my calls on XX/XX/XXXX, and XX/XX/XXXX ). 

Capital One will not give me an answer in regard to when I will have my money back in my account. I now face eviction from my house. I must pay the rent before XX/XX/XXXX and I have to pay a late fee of {$360.00}. 

I want my money back and Capital One needs to pay the late fee. 

I get no help from them when I call.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

This debt was paid to XXXX already and should not have been sent to collections. I confirmed with XXXX that my account has no pending charges and that I have paid in full. GLA Collection Company, IN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX, reported falsely to XXXX that I have an account in collections. I filed a dispute and they lied to XXXX and said that the debt is being reported correctly. It is not being reported correctly. They did not investigate that this debt is not valid. They falsely claimed the debt is valid to XXXX.
Consumer complaint received 2023-12-19
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a prepaid XXXX with Capital One to try to rebuild my credit. Ive paid every bill on time I have not been late once and Ive paid multiple payments throughout the month each month. I made an online check payment XX/XX/2023 to find out on XX/XX/XXXX that they were holding funds and they would not be available until XXXX XXXX 2023. They credited the balance on the card but did not give me funds available so theyre holding {$190.00} plus {$100.00} deposit. I do not understand why theyre taking my money from me for so long. XXXX, putting people in a financial bind, just refuse acceptance of their payment, so you do not put them in a bind. Im having to do without buying XXXX presents for certain relatives to accommodate this. I have not done anything wrong thats why I dont understand why theyre keeping it for so long. One representative with their company told me they were doing it to make sure that the check cleared. That was a XXXX  answer because with todays technology it surely does not take 2 1/2 weeks to make sure the check cleared. Actually, they clear instantly they run it through and you back your receipt. the bank XXXX XXXX XXXX XXXX said the check cleared that day XXXX XXXX, so thats been cleared. What she told me wasnt true I dont know if she knows how to do her job or not but she had the wrong answer for this. Then I called and talked to a supervisor, and she kinda got frustrated with me on the phone. no profanity or anything but kind of mean. So, theyre holding {$190.00} of my money and {$100.00} deposit and Ive not received anything to tell me they were doing this, they just did it - neither a phone call nor a letter explaining why theyre holding it. At least send a letter or make a phone call to me telling them why youre holding their money from them. I went to the gas pump and got declined and the money was already out of my XXXX XXXX account for the payment so I didnt have extra money to buy gas and then the money is not available on the card either because theyre holding it. Im not sure they dont hold money so they make interest on huge amounts of money overtime. Ive never believe that myth but Im starting to. Just credit my account available balance or give me my money back so I can have XXXX XXXX XXXX XXXX. Mean
Consumer complaint received 2023-12-18
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. (PA)

I was a victim of the Equifax Data Breach. Equifax has already admitted that I am a victim, but they still continue to do nothing. When I first started doing my own investigation back in XX/XX/2023 so I can clean up my credit report. Equifax failed to inform me that I was a victim of the Equifax Data Breach. Please read the attached statement and I also enclosed the proof from their website for the Equifax Data Breach Settlement that I am a victim of this Data Breach.