davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-06-20
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. (AZ)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2022, I mailed a personal check for {$490.00} to Capital One, in the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to Capital Ones post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, Capital One informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with my bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I provided this information to Capital One and asked verbally, and in writing on XX/XX/XXXX and again on XX/XX/XXXX, that Capital One conduct a thorough investigation concerning my misapplied/misappropriated payment. Instead, on XX/XX/XXXX I received a letter from Capital One ( dated XX/XX/XXXX ), informing me that my negotiated payment, payable to Capital One, was not endorsed or cashed by Capital One and that any temporary credits related to this dispute will be removed and that I need figure what happened to my payment. I received no explanation about how my payment, payable to Capital One and delivered to a presumably secure post office box was intercepted and by whom, nor why my specific credit card number appears beneath the name of the account holder where my misappropriated funds were deposited. I attempted several times to contact Capital One to discuss how to resolve this but have been unable to reach anyone in Capital Ones Payment Investigation Department. I completed an Affidavit of Forged or Missing Payees Endorsement for my bank and have asked my bank to investigate but am told that could take up to 90 days. Meanwhile, Capital One is re-billing me for the funds I already paid due to its own negligence in mishandling my payment.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Duty pursuant to the FCRA, it is EQUIFAXs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 22 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

The company sent me a letter via mail stating that they have attempted to contact me numerous times regarding an alleged debt and I am not responding and they are confused as to why. I do NOT have a written signed contract with them whatsoever. If there is a debt by me I was not notified as required by law that they purchased a debt and the details of the transfer of the debt example I REQUEST A CONTRACT WITH MY SIGNATURE STATING THAT I OWE THIS AGENCY THIS DEBT NOT A COPY OF OLD STATEMENTS AND PAYMENTS. 

15 USC 1692c. ( b ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692e 15 USC 1692f And most importantly 15 USC 1692g ( a ) ( 1-5 )
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I completed a loan modification following a covid hardship on my Truist mortgage for my primary residence roughly three months ago. On XX/XX/XXXX a letter was received stating a form had not been notarised properly and that i would be required to redo the loan modification documents by XX/XX/XXXX ( now XX/XX/XXXX after several phone calls ) or I risked losing my home. I am currently on assignment for the State Department in XXXX where mail takes 4-6 weeks to arrive and another 4-6 weeks to arrive back stateside once signed/notarised. This would make it impossible for me to meet this deadline and Truist has provided me no recourse otherwise. Without sufficient time to even receive the document its impossible for me to meet their deadlines.
Consumer complaint received 2022-12-08
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. (TX)

FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}
Consumer complaint received 2023-10-03
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. (OK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-03
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: Experian Information Solutions Inc. (GA)

I have numerous unauthorized inquiries on all three of my credit reports ( Experian, XXXX, XXXX ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX Experian : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; CXXXX/XXXX   XX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (MO)

I applied for a title loan but had planned to pay it off before the first payment. That was not possible so I made the first payment. I was not given a copy of the agreement but was told I could get it online. I tried for several weeks to do this and it was not available. I went directly to the office to get a copy. I subsequently discovered that as a surviving spouse of a veteran that I should not have been charged such a high rate of interest. I also did not realize that all payments would go directly to interest for many months. This was not disclosed to me in person. 
The company is TitleMax.
Consumer complaint received 2015-08-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I am currently 3 months behind on my payment, almost XXXX. Several weeks ago maybe XXXX we attempted to make a partial payment that was refunded unaccepted. We then applied for a modification which was denied. I have now been told that on Saturday XXXX XXXX a demand letter will require the full amount, XXXX approximately. I attempted to establish a payment plan for XXXX today and XXXX on the XXXX but was told that i must make a payment of XXXX by Saturday to avoid the demand letter and starting foreclosure. I am in this position due to a loss of income and can not financially afford the lumpsum of XXXX or the XXXX at one time. I want to keep the home, i have a VA loan and want to avoid foreclosure completely, nationstar is simply refusing to work with me i feel.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eagle Financial Services, Inc. (OH)

I have had many problems with this company claiming I applied for a loan with them and claiming is igned paperwork for a loan and claiming I signed and cashed a check issued by them. They also took extreme measures and hired a lawyer to seize my garnish my paychecks even tho i submitted overwhelming evidence that I never and I repeat I never signed a check with my name and or cashed it out at XXXX XXXXXXXX XXXX. I state this bank because the lawyer states my check was supposedly cashed there. And it certainly was not cashed or signed by me. It is illegal to garnish wages on a loan that has fraud on it and if it continues I'll go more than just this route and counter sue you for defamation of character as well as unlawful wage garnishment and unlawful business pratices.
Consumer complaint received 2024-04-04
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. (FL)

After doing some research I have found that XXXX, Transunion, XXXX has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

XXXX, XXXX, Transunion has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXXXXXX XXXX  they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion block the account so l couldn't be able to give accurate information Always have to wait 30 days which it does sho late on the account and then my credit scores decrease. And when l requested credit it shows late payments which not true
Consumer complaint received 2022-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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

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 a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This issue is been going on for some time, In two previous occasions I have ask Experian to stop charging me for services I didn't request or authorized. In XX/XX/2023 I called them and asked them to stop charging me and returned my money. They never did. At that time they were charging me {$14.00} for a period of XXXX month. They did not charge me on XX/XX/2023 but starting charging in XX/XX/2023 this time they charged me {$24.00}. 
I believe they are targeting older folks like my self, I am XXXX years old. It should be stop. I don't need to have a subscription I had one years ago and I learned that there are no benefits what so ever. They are an institution that does their job by reporting whether you have subscriber or not.
Consumer complaint received 2018-05-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX I purchased a Western Union money order from XXXX ' grocery store in the amount of {$320.00} to mail to XXXX XXXX XXXX XXXX. I filled the money order out completely on its face and mailed it through the U.S post office. On or about XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX that, they had not received my payment. After investigating the information I learned that my money order had been frauduently cashed on XX/XX/XXXX at an unknown location. I contacted Western Union again and requested to file a fraud report. I was told that I had to complete a fraud request in writing and send {$15.00}. On XX/XX/XXXX I completed a written request and sent the {$15.00}. As of XX/XX/XXXX I have yet to receive any information as to the status of my claim. I have called Western Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To get an update or to request additional information to provide to the local Detective whose been assigned to the case. I've attempted to get either the name of the person who cashed the money order or the bank name and branch where the money order was cashed at on XX/XX/XXXX. Western Union has disregarded my request by doing the following ; place me on hold for long periods of time 52 mins., or state you will receive a letter in the mail with the name of the bank soon, or I can not provide you any information at this time, or they just hang the phone up in my ear. I would like Western Union full cooperation in assisting me with information to move forward with this fraud case and provide me a full refund plus interest on my money order within 30 days of my complaint.Also, Western Union should be required to handled money order thefts that consist of fraud within a reasonable amount of time, and should be required by law to provide the victim of fraud access to the necessary documents so that the victim can proceed with making timely police reports.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

My name XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : {$8600.00} On XX/XX/XXXX I requested XXXX and I was told told it would take XXXX to 3 days.Well I called every Day.On the third day they reversed it and basically was like I never even did it.So I called back an said I wan na close my account from then on they have made it where I have no access to no of this money.There going as far as saying they can't verify me but I have answered every single security question and it's all on there recorded line.And I have the XXXX digit pin they've sent me several times.
Consumer complaint received 2023-02-27
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. (LA)

In accordance with the fair credit reporting act the list of accounts Below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A 15 U.S.C 1681 section 604 A 15 U.S.C 1681 c. ( a ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 ) And Other U.S.Codes Each account is in the following attachments list in the Credit Reports
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (SC)

I have been paying too the principal on my loan a XXXX XXXX Account : XXXX too Ally and they will not apply my payments to the principal with repeated phone calls and this is the last comfermation number # XXXX the agent told me his name was XXXX
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (KS)

A continuance from Wells Fargo case they say the date issued a {$300.00} credit to my account for my missing money but Ive never had access to account or card and if they did issue a credit I never received it go to the fact that account was locked was a family tried to regain access from my account being compromised
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

( 1 ) My student loans were transferred from XXXX XXXX to Nelnet. I have been trying to get a record of past payments on my loan from Nelnet, but Nelnet has been unresponsive. I am not able to get this information from XXXX XXXX either. Payment history is not available on the Nelnet website. I have no way to confirm that the amounts transferred to Nelnet are accurate. 

( 2 ) My SAVE application is still pending, and Nelnet has been unresponsive to status update requests, except to notify me that Ive been placed on an administrative forbearance. I am unable to get in touch with Nelnet to confirm status or confirm whether payments can still be made during this time and whether they will be properly applied to my account.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have been a victim of identity theft and my disputes are not being processed correctly. The paperwork I'm sending in is not being attached to my disputes and are not being followed according to the FCRA. And I am not getting copies of the verification process