davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (CA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-03-28
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account XXXX : XXXX. XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX A ) Account Number : XXXX, and so on.
Consumer complaint received 2022-11-29
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. (DE)

I just recently looked at my credit profile and discovered that " XXXX XXXX XXXX '' is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my XXXX authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to " XXXX XXXX XXXX '' and have not received a response.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

Approaching my payment period, I began looking at of my loans and was rather confused. I first set up my bank account- which I found out later was the incorrect routing number ( my fault ). However, upon the payment bouncing back due my incorrect bank account number. I was called multiple times basically being chastised that something was wrong but they would not help me figure out the solution. So eventually, I retyped all of my account information in a second time but then at this point I had to pay double payment which I am thankful I had enough money. I do not think I should have had to double pay when they could not help me figure out what was wrong. Furthermore, I continuously called to check and try and solve my own problem. On top of that Navient gave no further assistance on my military payments when I thought I needed at XXXX for my taxes they had no clue or any direction. They only focus on what they need and do not care about customer service or finding a correct response. Also, I believe there should be a calculator for students on the site for them to try to pay off their loans before 10 years to save loads of money on interest. So many students will default on their loans because of this. They do not assist you with paying them back at all just complain until you do.
Consumer complaint received 2017-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Back in  XXXX  Of   XXXX   I missed the first mortgage payment in about 2 years due to a financial hardship. I missed  XXXX ,  XXXX   XXXX    XXXX   making a payment in  XXXX    XXXX  .     I applied for a Modification and tried to work with them ( Nationstar Mortgage ) receiving no answer back until about  XXXX    XXXX   when I was served with a foreclosure order ( I was never actually served Live ). I hired an attorney (  XXXX   XXXX   ),  who has tried to get me  XXXX  modification and other plans ( though he dropped the ball on certain matters  ).      Basically they said, incorrectly that my loan could not modify because they ca n't lower my payment. I have the ability to continue payments, however I am being constantly denied based on an alleged   XXXX   XXXX   requirement that they must lower my payment Because I am actually making quite a bit more in my new job ( which they are aware of ) I am able to pay even more if necessary, and Nationstar ( at this point ) will not even request a waiver of any such " requirement/guideline ''.     If you can Help me, let me know.  XXXX   XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

Experian XXXX XX/XX/2022, Experian made an error by adding a hard inquiry ( XXXX XXXX ) to my credit file, which made my XXXX XXXX  decrease from XXXX to XXXX declined by XXXX points!! The inquiry was removed on XX/XX/2022 without restoring my XXXX XXXX back to XXXX. 

Experian added an unauthorized hard inquiry error ( rent track ) to my file and they still have not restored my XXXX XXXX. Experian made this mistake, so, it's been XXXX months now & I expect Experian to do the right thing and request a ( XXXX XXXX ) score to restore my fico score back to XXXX. 

XXXX XXXX XXXX removed the hard inquiry & restored my XXXX score, so I know that my Experian fico restoration is possible by requesting a ( XXXX XXXX. ) I am not starting at the bottom again to work my score back up for a second time!! 

By choosing to warehouse inaccurate information, Experian is in violation of : 1. ) The Fair Credit Reporting Act. 
2. ) XXXX XXXX Compliant. 
3. ) Experian is subject to regulatory oversight by the FTC, CFPB, Office Of the Inspector General.

Please see new attachments for proof of my dispute.
Consumer complaint received 2023-05-26
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: GOLDMAN SACHS BANK USA (TX)

I had a charge on my credit card at Goldman Sachs for XXXX on my Apple Card, I have disputed this TWICE with Goldman Sachs they keep asking me for verifying documents but like I have told them XXXX times I didn't charge this I have never been to this establishment. Then this week I got a email that said they sided with the merchant so now I have a charge for XXXX that I have to pay even though I never used my card at that merchant. In reference to the card user agreement I can not be charged for fraudulent services.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

I am disputing because Experian is reporting late payments for XXXX XXXX XXXX from XX/XX/2009 and it has been over the 7 year time per the FCRA : Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current. This is known as the original delinquency date. 

Therefore, it is the duty of Experian to remove XXXX XXXX XXXX from my credit report.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (NC)

This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. 
This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have written XXXX letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.
Consumer complaint received 2024-03-28
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is XXXX  reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a customer with Capital One for the past 25 years. I've never missed a payment and have paid on time in full each month since I have been with them. My current card provided a 1 % reward on all purchases. 
I recently lost my card and asked for a replacement which was received in about 10 days from my request. 
After using the card for a few days was refused by a vendor. I called Capital One and was advised that a restriction was placed on the card. The customer service rep indicated that she did not why the restriction was applied but indicated she had removed it. 
The following day I attempted to use the card again and again it was refused. 
Once again I called Capital One and was advised the the restriction was reapplied. I asked why and was told they did not know. I asked to speak with a manager and was told they did not know either but that they would not speak with me until I provided them with a photo of my driver 's license front and back. I gave them the DL number but did not see a reason to provide them with the photo as there have never been any problems with identification for the past 25 years. Again, all bills have been paid to date. 
I decided to cancel my account with them and cancelled my account after all debts had been paid. 
When I requested my Reward balance of {$550.00} they refused and advised me that as I had not provided them with the photo ID they would not return the reward. 
As the photo ID was demanded when this issue arose as opposed to anytime in the past 25 years I did not think it was appropriate and was tantamount to extortion of sorts and was used as an excuse not to return what was agreed to regarding the conditions of the card. 

Please let me know if you require anything in addition to the above. 

Thank you XXXX XXXX
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (WI)

XXXX {$110.00} I called about 15 times in the month of XXXX to try and get them to understand that I dont owe them a XXXX. One person told me it was because it was a deposit in another person told me that I owe money from when I spent money on the card so now I owe money that theyre claiming that I dont owe and they keep telling you guys that it is a duplicate. It is not a duplicate. I asked them if they can send me something stating that I or deposit with my signature and the contract
Consumer complaint received 2023-06-16
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. (CT)

In accordance with the fair reporting act XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-08
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. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

Upon recently checking all my credit reports, I noticed a credit card from XXXX reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, XXXX XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX  days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : $ XXXX Past Due : {$1300.00} Most Recent Payment : XXXX
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I called Capital One bank twice on XX/XX/21 to inquiry why I have to go though SMS verification every single time when I was trying to login on my phone. I talked to two representatives and they gave completely different and inconsistent answers. 

Representative 1 told me the reason was because I changed my phone number on XX/XX/21, which I didn't. My phone number stays the same since day 1 when I opened my account. 

Representative 2 came up with a totally different narrative and told me that's how Capital One bank is doing their business. According to him, Capital One expects me me to go thought 2 factor authentication ( 2FA ) every single time and said I was lucky for only need to do 2FA occasionally previously. He further stated that Capital One will stop sending me SMS codes after the 6th or 7th attempts, which means I will lose access to my online banking account. 

I also have a very hard time to understand both representatives due to their strong accent when I was trying to talk to the 2 representatives.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE INTEREST SCAM/FRAUD XX/XX/XXXX was my credit card due date {$610.00}. 
Paid on XX/XX/XXXX not only the statement balance but the whole account balance {$1300.00}. 

On XX/XX/XXXX I was charged XXXX in interest. 

They say interests are residual from the previous statement that I haven't paid XXXX dollars ( their system doesn't consider that amount as balance if you cancel, then you pay less than the whole statement, fine print, and system " glitch '' ). 

The result... they say they charge daily interest for every transaction after the statement isn't paid in full even though the new transactions are not due yet. So, XXXX dollars not paid on a statement generate XXXX dollars of interest just one month after that. 

Should I call it a scam or fraud? 

Please take action on behalf of misleading customers.