davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (NC)

This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every 40 days for over the past year, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

XXXX XXXX XXXX last XXXX SSN : XXXX Birthdate : XX/XX/ account : XXXX XXXX  account number : XXXX account : XXXX XXXX account number : XXXX
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I applied for a business credit card through an offer letter sent to me and was initially approved, but then when I went to activate the card I noticed that my account was on hold not just the new account but also my personal account that I had previously and have been using. When I called Capital One to ask the reason they said they needed additional information such as bank statements for my personal account which I sent. They did not remove the hold even after receiving the statements they requested. When I called they said they needed the business bank statements as well and I refused because the business card is not related to my personal account at all. I then asked for all this information in writing as to why I am being treated with prejudice and nothing.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

In my sixth endeavor to resolve this matter, I want to emphasize that this marks my fifth attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (WA)

got heloc loan on XXXX / XXXX / XXXX  ', from UNITED WHOLESALE MORTGAGE, payments interest only for 1st year, {$430.00} monthly .applied for auto w/d on XXXX XXXX / XXXX  ', got ok on XXXX XXXX / XXXX  '. 1st payment due on XX/XX/XXXX  '. then on XX/XX/XXXX  ' got notice that UWM sold loan to XXXX XXXX XXXX ON XXXX XXXX, XXXX  '. i called XXXX to set up for auto payment as i did with UWM, was told they have not got loan from UWM yet but when they do, i would get WELCOME PACKAGE from XXXX with new loan # & i could then put in for auto w/d. well on XXXX / XXXX / XXXX  ' get letter from XXXX that they got loan from UWM & loan is in DEFAULT!! they said XXXX & XXXX payments were not made. i called & tried to explain that i had auto w/d with UWM  & have email evidence that it was ok 'd & even email saying they were withdrawing for XXXX!!!! they did'nt care to listen to me & charged me {$2700.00} + {$430.00} to get loan up to date!! my payments were {$430.00} a month so if late should at most been {$870.00} + late fees but {$2700.00}?? i asked for breakdown for these fees, nothing!! i asked UWM why payments not made as had auto w/d, nothing!! this is damaging to my credit which i have as my priority!!!! well UWM sent response to my last complaint with you on them with copies of notices they said they sent but AGAIN, I NEVER RECIEVED ANY NOTICES INN MAIL OR EMAILS!!!!! i asked why didn't you call, NOTHING!!!!! so that's my complaint is UWM failed to w/d funds, sent loan over as in DEFAULT!!!!
Consumer complaint received 2024-01-07
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: GOLDEN 1 CREDIT UNION, THE (CA)

XXXX XXXX XXXX Golden 1 credit union  I was never later with my payment XXXX XXXX this is not my account XXXXXXXX XXXX  account
Consumer complaint received 2024-04-24
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX KXXXX XXXX XXXX XXXX Balance : {$20.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} TXXXX XX/XX/XXXX
Consumer complaint received 2024-04-24
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-01-31
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Snap Recovery, Inc. (FL)

SNAP DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX I have no account with this company. They have violated my rights over and over again!!! 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Company responded that I settled payment and arrangement. Our client, XXXX XXXX, submitted a debt to our office owed by XXXX XXXX XXXX. All supporting documentation has been provided to the claimant and the debt he owes has been validated. The amount owed is {$1900.00}. On XXXX XXXX XXXX XXXX offered to settle the debt for a one time payment in the amount of {$1000.00} which our client authorized this office to accept. XXXX XXXX never made a payment of any kind, in any amount. XXXX XXXX contact this office on XX/XX/23 and was advised we would still accept the {$1000.00} settlement to resolve the debt. He again promised payment stating he would call back with payment information. As of today, no payment has been made. Please provide dates, contact names, times, employee record, call logs and alleged original debt contact with authorization form which i gave consent to release my information with negative credit reporting. I have NEVER CONTACTED NOR SIGNED ANY AGREEMENT WITH THEM. I DO NOT HAVE AN AGREEMENT WITH YOU. EITHER REMOVE THIS FILE IMMEDIATELY OR I WILL FILE A LAWSUIT FOR VIOLATIONS and REPORTING INACCURATE DATA WITHOUT CONSENT.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstart Holdings, Inc. (CA)

I am writing to file a complaint against XXXX XXXX regarding their debt collection practices, which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I recently received a letter from XXXX XXXX on XX/XX/2024, regarding a debt that allegedly was owed to XXXX XXXX, XXXX, initially owed to Upstart Network , Inc . In the letter, they stated that I had until XX/XX/2024, to respond to the charges. 

However, within just three days of sending this letter, on XX/XX/2024, I experienced what I consider to be egregious harassment by their representative, XXXX XXXX XXXX also using the name XXXX XXXX ). Despite the letter clearly stating that I had until XX/XX/2024, to respond, XXXX XXXX contacted my relatives, seeking information about me. 

When I contacted XXXX XXXX to inquire about this, he explained that they had tried to reach me by phone, and since I did not respond, they resorted to contacting my relatives. During our conversation, XXXX XXXX dismissively mentioned that I was now XXXX XXXX XXXX XXXX because they had called my relatives. I found this choice of language unprofessional and disrespectful. 

I specifically asked why they did not contact me through email or regular mail, as they have my email address and home address, but XXXX XXXX claimed he had already sent an email, which I allegedly did not respond to. I pointed out that the email clearly indicated that I had until XX/XX/2024 to respond, and questioned the need for contacting my relatives. 

Despite my concerns and insistence that such actions are against the law, XXXX XXXX continued to dismiss my objections, stating that I " didn't know what [ I ] was talking about '' and that he was within his rights to contact my relatives. I firmly believe that such actions are in violation of the FDCPA, which prohibits debt collectorXXXX from engaging in unfair, deceptive, or harassing conduct. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX for its violations. I have attached a copy of the letter I received from XXXX XXXX, as well as any relevant documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have mailed Transunion and XXXX regarding a reporting issue I recently descovered. According to my records they are reporting XXXX XXXX account # XXXX with missing information. The closing date doesnt match or its simply not being reported. Ive sent many letters to have this resolved to have a more clear and correct consumer report.
Consumer complaint received 2023-09-01
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. (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.

Has violated my rights. Or 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 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 2024-01-08
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: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX XXXX XXXXT- XX/XX/2023 SANTANDER CONSUMER USA- XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
Consumer complaint received 2022-11-16
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. (FL)

I send a reinvestigation letter to XXXX, XXXX, and Transunion pertaining XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, TransUnion, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and Transunion. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.
Consumer complaint received 2024-04-24
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. (CA)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-24
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 was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I have 2 defered payment interest free promotional charges from Synchrony Bank I had been making the reqired monthly payments The XX/XX/2022 statement showed a " New Purchase ' '' of {$2300.00} which did not make I called and was advised it was an allocaion error and would be resolved I called every month and spoke to a different person each time They assured me it would be resolved I decided to pay off the balances on each purchase hoping it would fix it ] I receivedd a letter on XX/XX/XXXX saying my balance was {$0.00} My XXXX statement showed a new balance of {$780.00} Why? I paid up in full I have spoken to customer service, collections, payments processing and fraud departments. I can never ge a single person to work with, they say they can not call me back ( they only take incoming calls ) and after an hour on the ph0ne I get cut off I have a record of all the people I have spoken to over the last yesr Now they say i owe over {$800.00} and they reported me as delinquent and dropped my credit score 110 points