davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint XXXX. 
I am rejecting this response because : Great you just admited you are not a creditor of mines. Therefore you have no right to report as a creditor XXXX XXXX XXXX on my credit report .You are breaking 15 U.S. Code 1692e - False or misleading representations AS ONLY creditors can report to credit reports .You admitted per last response that you arent a creditor of mines and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code 1692g - Validation of debts.As in XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), you are liable for your willful non compliance .This is my third documented request from XXXX  ASKING YOU TO PROVIDE any of the contract signed between YOU DEBT COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT.You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful compliance .You are taking advantage of consumers especially me being on a fix income .and about to be homeless I was denied being approved for a Mortage due to transunion allowing XXXX XXXX XXXX to insert this false account on my credit Please remove yourself from my consumer report before I file ligation. transunion please send me a updated copy of my credit report because I still have received it its XX/XX/2024 didn't haven't got it because this my third time disputing this false account with you this false derogatory collection still failing to comply with reinvestigation
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (OR)

Violation of XXXX on XX/XX/23 and XX/XX/23, incoming calls from Midland Credit at XXXX and XXXX. Company has confirmed my phone number was on file and associated to an unknown XXXX party through previous conplaint however said the calls were not made despite my phone number on file and attached screenshots with the merchant name and phone number. Refused to disclose business name, refused to answer return call. 

Image attached includes call record of MIDLAND CREDIT at phone # XXXX with call times and dates as previously listed.
Consumer complaint received 2023-12-27
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)

The credit card I have is XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Consumer complaint received 2022-12-11
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX and XX/XX/XXXX I submitted dispute letters to Experian indicating that information reported by US BANKRUPTCY XXXX, XXXX NEW JERSEY Account # XXXX was not valid or accurate. I also included in this letter that " THIS ACCOUNT DOES NOT BELONG TO ME ''. Attached to these letters I included a letter from XXXX dated XX/XX/XXXX ( who Experian uses to obtain information ), stating that XXXX has deleted the XXXX BANKRUPTCY INFORMATION FROM MY FILE BECAUSE THEY WERE NOT ABLE TO. VERIFY THE INFORMATION. I also attached a letter from the XXXX BANKRUPTCY XXXX, XXXX NEW JERSEY stating the court DOES NOT provide or report to credit bureaus. 

On XX/XX/XXXX I received a reply from Experian stating that they have verified the information to be accurate and would not delete the information from my report. I also spoke to Experian on the phone several time and was told that they verified information with the XXXX BANKRUPTCY XXXX and XXXX. How is this possible when I attached a letter from the XXXX BANKRUPTCY COURT stating they do not report to credit bureaus and Also That I attached a letter from XXXX stating they deleted the information from my file last year. Even with this proof of these letters Experian refused to comply with the law and is violating my rights under the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). I am attaching a copy of my credit report showing how egregious these violations are. 

The continued reporting of this invalid and negative information on my Experian credit report is negatively impacting my credit score and interfering with my ability to obtain financing. IF THEY REFUSE TO DELETE THE INFORMATION I WILL FILE A LAWSUIT SEEKING DAMAGES IN COURT.
Consumer complaint received 2023-12-27
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. (TX)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

CAPITAL ONE 360 PERSONAL CHECKING PLACES OBSTACLES FOR DISPUTING POSTED AND CLEARED TRANSACTIONS - CUSTOMER SERVICE REFUSES TO ACCEPT DISPUTE OF DUPLICATE CHARGES AND REFUSES TO REMOVE FALSE UNAUTHORIZED DUPLICATE HOLD FREEZING ACCOUNT.
Consumer complaint received 2023-12-27
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-30
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. (TX)

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX & XXXX, I Have no knowledge of this Account XXXX XXXX XXXX XXXX XXXX XXXX, I DO NOT OWN THIS ACCOUNT I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab XXXX! 

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. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX & XXXX of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account Coast XXXX XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} One Thousand Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (GA)

My mortgage company has tried to get my credit report but can not. There is no freeze or fraud on the report or anything. I called their agent numerous times and they said my account was being worked on, they do have my birthdate wrong, it should be XX/XX/1946 instead of XX/XX/1946 and the agent said he would correct it. All I want is Equifax to release my information when all the requirments are met. By not releasing my information, they have already ruint my XXXX, because of no bureau report to complete approved loan.
Consumer complaint received 2024-03-30
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. (LA)

Transunion XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have more that should not be on my report, because its locked
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3.  The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Previously filed complaint continues. Capital One 's response was the EXACT SAME WHICH CAUSED ME TO FILE THIS COMPLAINT. Sadly, it seems this is a useless gov website that's funded with taxpayer dollars and does nothing more than provide a form for consumers to fill out. 
I hope I'm mistaken and there is an actual point to protecting consumer and improving shady business practices- stopping negligent and illegal practices. 

There are more than 30,000 complaints against XXXX XXXX in CA. under the two headings I submitted under. 

Please forward this to the company. 
What are the next steps in your opinion? Please provide emails for govt. officials who hear from constituents or head of committees that govern this website/ " service ''. Thank you.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MO)

I received an email stating a derogatory mark has been added to my credit report. I looked at the email and it said Jefferson Capital Systems, a dept collector has added a derogatory mark and the original creditor was XXXX  and the account was opened in XX/XX/2023. I was surprised because I have never heard of Jefferson Capital Systems nor have I ever received mail or phone communication regarding any debt. I have had XXXX XXXX for over 5 years now and have not had XXXX  since before that and was under the impression that when I switched carriers I was on good standings with XXXX  because they have never sent me ANY past due bills. So you can imagine my surprise when over 5 years later I get a delinquency reported to my credit report. I called Jefferson Capital Systems at the number listed on the report at ( XXXX ) XXXX. After reaching an agent I asked why they reported a delinquent account without sending me any information. I havent received any mail or calls. The agent had no answer and also no answers about the debt. They wanted me to subscribe to verify identity for {$1.00} for first 7 days and {$29.00} a month after that. I told the agent I did not feel comfortable giving them information containing my credit card/banking info. The agent says you have to subscribe or I cant tell you the information and this is after already verifying information with the agent on the phone. If the debt is mine thats fine I would pay it it but I want it removed from my credit report because Ive had no notice of the debt at ALL! I should not be punished because this debt collection agency is not doing their job correctly. Also I called XXXX ( owner of XXXX  ) and gave them my social security number to see if Ive ever had any debt with them or XXXX  and they could not find any information at ALL! So how can i verify the debt is even mine?!
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-12-27
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. (MA)

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (MN)

I transferred money to Wise at the end of XXXX from a business checking account, but made the mistake of setting up a personal account with Wise when trying to send the money. They then informed me they could not send my money along. You would think this would be an easy refund right? Wrong. My money has been in XXXX for two months. I have sent upwards of XXXX? ( XXXX? Ive lost track ) Emails back and forth over the last two months and they keep giving me contradictory information over and over on how to get my money back. 

-yes we can link your personal account and business account, actually no we cant do that -we can only refund your money with a XXXX transfer , actually no we cant do that why would you think that -yes we can send your money along to the recipient if you do XXXX, no theres no way we can do that Someone different responds every time, and will often point me in either a different direction or not help me or answer my question at all. For example they asked me to set up a transfer so I could get my money back, but that would require me entering an XXXX, which I dont have. Because its a XXXX XXXX. When I asked, they just directed me to a support page that had nothing about an XXXX  on it. We just go around in circles. 

This has been the most ridiculous experience and I still dont have my money back.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

Ive attempted to make my payment multiple times. The latest time I called they said they would open a payment investigation. I called my bank to verify they attempted to pull the money on the payment dates and they have not record of any attempted debits from Mohela. 
They also took my account off auto debit and stated that I could set it back up online which I tried to do several times but it kept failing when I was trying to hit the submit button. I called to try to setup auto debit after that and they stated they couldnt set that up over the phone that I would have to request a paper copy of the auto debit form and mail it back. I requested the paper form be mailed to me of which I never received. 
These people are collecting interest on my account and saying Im in default when Ive been trying to pay my loan for months!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I have my home financed with Nationstar Mortgage, I am going thru a divorce my wife was awarded the house in the settlement however I had to maintain payments until the divorce was final. I have maintained my payments thru XXXX XXXX after divorce was final my wife was to take responsibility as of XXXX XXXX I have receipts to prove that I am current thru XXXX XXXX XXXX XXXX. My finance co filed foreclosure on my house stating that I have n't pay'ed payment since XXXX XXXX which is not true. My payments were late due to XXXX from military and going thru a divorce the past year however I still managed to pay my note as of to date have my payment current. I did not pay XXXX payment because my ex-wife was awarded the house in XXXX XXXX she was to pay XXXX payment and get the house refinanced in her name. So basically my complaint is that Nationstar wrongfully started foreclosure proceeding in XXXX XXXX when my payment was current and due for the same month that they put my house into foreclosure. the