davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (PA)

On XX/XX/XXXX XXXX credit said that they will send me a letter in 7 business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a XXXX XXXX XXXX XXXX  that XXXX was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over five times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Please see attached documentation and meet my demands within 4 business days. Thank you for your timely compliance.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NJ)

PMI is suppose to automatically come off at 78 % of the original value of home. Property cost XXXX. Balance is XXXX which is now XXXX. Lender refused to take off PMI.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Affirm Inc is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Consumer complaint received 2023-12-26
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. (GA)

This is my fourteenth 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 records 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 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX  XXXX Balance Owed : {$1400.00}.
Consumer complaint received 2023-08-30
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. (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.

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 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.
Consumer complaint received 2023-04-29
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. The accounts below Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Violation of Privacy Act of 1974 & of the XXXX and Privacy Act of 1974. 

XXXX : DEPTEDNELNET Balance {$1000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$1000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$2900.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$3900.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$3500.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$6000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXX : DEPT OF EDUCATION/NELN Balance {$2900.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$6800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$3500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2400.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$6000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1300.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$7000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$7100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$3900.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had my purse stolen with all my personal info, that i beleave was used to open up some of these accts and also placed a large amount of hard inquires on my report. I have been trying to get this address for a couple years now i have contacted all 3 credit companies and the other party, I have spent XXXX of dollars in certified mail send letters to both parties to be back at square one and nothing is being down. I also reported a car being stolen and having my personal thinks inside durning a move. I been suffer from idenity issuses since i was younger with a friend of the family was using my name ate a younger child age. Im now at a stand still stuck with all this stuff on my report and still no answers on how to fix them.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

First of all, capital one has had my name wrong on this account for years, even though it was spelled correctly on other capital one accounts I've had. My last name is XXXX, and they still keep addressing my letters as " XXXX. '' I have tried disputing this error multiple times with them but they still address me as such. 
Anyway I noticed on my credit reports that the " days late '' were inconsistent. One credit report claimed I was 90 days late, another said I was 120 days late, and the third would say I was 150 days late. And this was inconsistently reported on at least 4 or 5 different months. I wrote a letter requesting capital one send me a history of my payments and dates each payment was made so I could figure out which ones were incorrectly being reported. 
Capital One sent me this : Dear XXXX XXXX, Thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. 
We have confirmed that the late payment we are reporting for XX/XX/2023 is accurate. Because this information is correct, we do not need to change how we update it to the credit bureaus. 
We are unable to provide you with all of the statement copies that you requested. We regret any inconvenience this may cause. You may still be able to access additional statements online at www.capitalone.com 1. My name is STILL misspelled after disputing for years. 
2. I was questioning a LOT more dates than just XX/XX/2023, but that was the only one they decided to mention. 
3. If they were able to confirm that the late payment for XX/XX/2023 is accurate, why couldn't they provide me with the due date & payment date for at least THAT ONE?

4. I did not ask them to update anything to the bureaus ; I asked them to provide ME with the information that is regarding MY account and for PROOF that what they're reporting is accurate. 
5. I do not see why they could not provide me with the documents I was requesting. I have requested the same information from other lenders and they were able to provide me that with no hassle. Capital one at least could have emailed me a PDF or something.

6. Believe me, I have tried to access my payment history for this account on the capitalone website. The ONLY information I have access to regarding payment history is the processed & scheduled monthly payments toward paying off the collection account.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

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 an 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 2023-04-25
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: EQUIFAX, INC. (DC)

I understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment
Consumer complaint received 2023-09-22
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. (NY)

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 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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have noticed multiple hard inquiries on my credit file, that are incorrect and would like them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a Capital One credit card in XX/XX/2024. I used the card for cash advances totaling over {$1500.00} where the credit limit is {$3000.00}. My bill was promptly paid ( {$1500.00} ) minus other fees by a third party and because of the third payment Capital One locked my card. I have a current balance of a little over {$100.00} and had to upload front and back photos of my ID several times ( est. XXXX ) before it was accepted. I was initially told that uploading my ID was all that was needed and that the payment would have to clear, which it did within XXXX hours. Thereafter Capital One wanted to do a XXXX party verification with the person who paid my bill even though the payment cleared the bank and was posted by Capital One already on XX/XX/2024. The payee feels uncomfortable with this process of being on the phone with a company she doesn't do business with AFTER her payment was cleared and received but attempted to go through the verification twice absent resolution because of her bank not wanting to do such verification to Capital One 's standards. I have asked Capital One for an alternative resolution to unlock my card which I only used for a single payment cycle and is current. They have given me none. The payment due was {$29.00} on an outstanding balance of over {$1600.00} and I have spent hours on the phone trying to resolve this issue.
Consumer complaint received 2023-12-26
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. (WA)

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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been a victim of identity fraud and I want my exact personal information updated on my credit report I dont want any false names or false addresses or false information on my credit report that is not verified I have been reaching out to get all my information accurate on my report and I demand anything that is not accurate or verified to be removed from my report
Consumer complaint received 2023-12-26
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. (MD)

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.