davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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 (DE)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 UCS1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-20
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. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-04-12
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction with the ongoing issues regarding the late opening of my account. Despite my previous attempts to rectify this matter, it appears that the problem persists, and I find it increasingly frustrating. 

The delays in opening my account have caused me significant inconvenience, as I have been unable to access the benefits and services associated with it within the expected timeframe. Furthermore, the lack of communication and transparency regarding the reasons for these delays only exacerbates my frustration and erodes my trust in your institution. 

Therefore, I urge you to take immediate action to rectify this situation and ensure that my account is opened without further delay. Additionally, I request clear communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. With this, I am asking for your assisstance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-14
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. (NY)

In XXXX I submitted a payment to go through on XXXX to fully repay my loans of over {$250000.00}. The same day I contacted customer service to make sure the payment would go through from a XXXX investment account. I was contacted on XXXX that they payment would not go through and had to come from a bank account and I had to transfer the funds from XXXX into my bank account. On XXXX the day the payment was scheduled to go through it did not. On XX/XX/XXXX we transferred the funds from XXXX into our bank account and scheduled another payment in full to Navient. On XX/XX/XXXX the original payment went through and the second payment in full was listed as pending. We called Navient to put a stop on the second payment ( customer service was closed ), I wrote an email and my husband  contacted his bank to put a stop on the payment which they said they would do. On Monday XX/XX/XXXX the payment was still listed as pending but we were assured from the bank that the second payment would not go through. On Tuesday XX/XX/XXXX I checked my account and it said both payments were fully processed - an overpayment it {$250000.00}. I called Navient to understand why the stop never happened on either side and all they told me is that it would take 10 days to fully process the transaction which they will and another 3 weeks to get the money back. This is outrageous and fraudulent behavior - absolutely criminal. 

The company misled me to believe that it was not possible to pay from my XXXX account and then proceeded to not only charge this account but then process an overpayment of over {$250000.00} when I cancelled the payment both from the bank and on their site.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX 
Bankruptcy chapter XXXX was filed on XX/XX/XXXXand Discharged by Federal Judge onXX/XX/XXXX 
Credit reporting agencies are reporting my credit scores at 574 and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
Equifax and XXXX has 26 unauthorize inquiries that needs to be deleted permanently. 
XXXX has only two authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why Equifax and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
Consumer complaint received 2024-04-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested investigation of 2 bankruptcy records listed on my credit file with the 3 credit reporting agencies. XXXX  and XXXX returned that they verified the information with a third party, XXXX XXXX. I received no response from TransUnion. XXXX XXXX has affirmed, with the attached letter that the 2 bankruptcy " records have been removed ''. The CRA 's are in violation of the FCRA and have lied about conducting the re-investigation and must remove the 2 bankruptcy records attached to my credit file
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted XXXX and TransUnion credit bureaus to dispute 2 inquiries that I did not authorize. Both are from XXXX XXXX with inquiry dates of XX/XX/2023 and XX/XX/2023. XXXX XXXX  states they received credit applications in my name but I have not applied from any new personal credit with them. I have attempted to dispute the inquiries with the credit bureaus but they refuse to even start an investigation to verify information they are reporting.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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
Consumer complaint received 2024-04-12
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (FL)

XXXX employees and/or JP Morgan employees that share that failed JP Morgan/Amazon Visa card continue to call and request I return their calls. That isn't going to happen, ever. Also I received a statement dated XX/XX/23 on XX/XX/23 demanding payment on XX/XX/23 for {$25.00} ; a sum of money more than previously known to be alleged as owing. All this while the Company 's response is in progress '' and XXXX XXXX of JP Morgan assured me when she was done reviewing my 53 pages of evidence that surely calls into question the assertions by XXXX of delivery by USPS when I couldn't even get mail let alone a parcel that the independent contractor [ a rural usps bid on route ] would have to lift and carry it nuts.
Consumer complaint received 2023-12-20
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about XXXX  day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE
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. (IL)

I am a victim of identity theft and someone has opened a fraudulent credit card account in my name. I have contacted the bureaus over and over and filed an FTC report, and they have refused to fix this issue.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (ID)

This credit card agency allowed fraudulent purchases consistently. Anywhere between XXXX XXXX purchases to hundreds of dollars. As well as when the card is frozen. On top of that there a fees from those fraudulent charges. They refuse to resolve those and add fees on top of them. These charges go through even when the card is frozen so it leads me to believe that this agency is working directly with the people getting in my card or pushing those charges.
Consumer complaint received 2024-04-12
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. (NV)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Below, please find a summary of the inaccuracies that I am disputing in XXXX : : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries were not authorized : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Below, please find a summary of the inaccuracies that I am disputing : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-12
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. (CA)

On XX/XX/2022, XXXX XXXX XXXX  had closed my joint checking account and sent a notice to the credit bureaus naming it as a " Charge Off ''. It has been two years since this occurred and I have not received a 1099-C for a Cancellation of Debt for this item. I was not notified about the status of this account. This has put a major ding on my credit report and I wish to have it taken off.
Consumer complaint received 2023-10-17
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 (UT)

On XX/XX/XXXX i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from Capitol One Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the Capitol One Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 

On XX/XX/XXXX I called both XXXX and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MS)

My home mortgage loan was sold by XXXX XXXX company to Nationstar mortgage sometime in 2015 without my knowledge. During this time Nationstar force placed insurances on this account and increased my mortgage from approximately {$400.00} per month to almost {$900.00}. I had sent in documents showing that I had insurances and that I had never lapsed in my coverage. After calling several times and never getting the charges removed I called the Mississippi State Attorney Generals office to get help. XXXX ( XXXX ) and I worked for about a year to have the charges reduced and/or removed. They were never removed. During the course of this they would not accept partial payments even though I had been told to send my initial payment amount until the charges were removed. After a year and a half of this my credit has been ruined. I can not get refinancing because of this. Also during this ordeal, I was in a major car accident. I would like to become current and maybe get refinanced. Their phone number is XXXX. They have done several people this way. I would pay my ( approx. {$25000.00} in full ). I am trying to avoid foreclosure! XXXX also has a detailed list of the numerous phone calls to rectify my possibility of refinancing. I have approx 50 pages of correspondence to upload or fax. Again I included my AG 's number to confirm the hassles. The XXXX XXXX  representative, XXXX, can verify that we called and faxed this company to rectify the problem. Her contact number is XXXX.