davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-17
Product: Credit 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: JPMORGAN CHASE & CO. (OH)

Late yesterday evening my so had a XXXX issue checking in for a XXXX XXXX to XXXX. Was directed by XXXX agent to call a number to fix issue. Was told by " XXXX XXXX XXXX " person to pay a ticket change fee. My card was charges {$690.00}. I tried to contact XXXX challenge change fee. They said they don't charge change fees and agent shouldn't have told son to call any number. Said it was a scam. I called Chase who would not stop the charge. Told me to dispute after it posted. Then they would not reimburse my money or go after the Fraudulent vendor. This is apparently a common scam.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a credit card with a 0 % interest promotional offer. The offer ended in XX/XX/2024. My statement ending in XXXX still shows the 0 % offer. I paid off the balance before the statement closing on XX/XX/XXXX but capital one still charged me {$26.00}. I spoke with a representative a little over a week ago and they assured me that this was an error and that I would be refunded but it did not happen. I just called capital one back to inquire about the refund and they informed me that they would not be able to refund the charge. I believe this charge is inaccurate and does not reflect what was advertised. I also requested information with regard to the promotion and the representative denied me the request. Please rectify this issue. Thank you.
Consumer complaint received 2024-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I ask for a payoff quote total amount I sent certified mail my intentions some definitions and it my attempt to settle allege debt I sent a payment coupon from my statement and a XXXX for acquisition or abandonment of secured property both were endorse with my signature XXXX XXXX XXXX XXXX XXXX, XXXX. and the answers I got from select portfolio servicing XXXX were from we don't accept those kind of payments or it was shredded to receiving definitions only to twisting my words when letting them know of my intentions to what I want to accomplish to settle my allege debt to demanding my two instruments wanting mailed back to me if you don't take those kind of payments
Consumer complaint received 2023-06-21
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. (NC)

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 2023-06-07
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. (NJ)

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 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (TX)

I paid off my car in XX/XX/XXXX. Carmax chg my payment history 8 months later in XX/XX/XXXX. I dont show I was delinquent on any of my credit reports or documents. Why report on my loan for payments 3 years ago, 8 months after payoff. I need it corrected
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (IL)

with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obiligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the attorney general. You all aren't the only creditors im coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was contacted by a man 's niece through the XXXX pet-watching app. She was requesting pet-watching services for her uncle that was moving to XXXX. She provided me with his phone number, and he contacted me, first appearing legit. However, soon after he sent me a check through the mail to use for purchasing supplies for his cat, and to pay me for my first week of work. Upon depositing the check, he then asked me to send the money back to a " personal shopper '' because he wanted to use that service instead to obtain the supplies. I fell for it and sent {$500.00} dollars via Zelle on the XXXX app to a Zelle account registered to XXXX, phone number XXXX, and email : XXXX. Unfortunately, my bank informed me that there is no way that I can obtain my money back since I technically authorized the payment through Zelle. I have been in contact with my Bank, and they reassured me that I don't need to take further action.
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
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. (NY)

Nelnet refuses to communicate why I have more interest applied on their website than t what has been displayed on student aid.gov page. Nelnet is irresponsible and not responsive when asked for help and clarification. The federal loans were transferred to them from Great Lake without customers knowledge and no explanations provided to customers leaving customers clueless regarding the amount and interests displayed which are inaccurate. Nelnet refuses to cooperate or answer any communications.
Consumer complaint received 2023-01-10
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. (NY)

I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I closed my credit card with USAA. Months later a merchant refunded money to them, and they reopened the account without asking me. Furthermore, since I no longer have a physical card, I have no way to get my money from it outside of a cash advance which has a fee.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

I want these inquiries to be deleted I did not authorize these companies to run my credit XXXX XXXX XXXX XX/XX/XXXX CITI LBANK NA BESTBUY XX/XX/XXXX
Consumer complaint received 2023-06-07
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. (GA)

I am writing to strongly and formally express my absolute dissatisfaction with the violation of my consumer rights as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) and other related sections. XXXX, XXXX, and Transunion have unlawfully and incorrectly reported the following accounts without my expressed authorization : XXXX * ( XXXX ) Account Name : US DEPT OF ED/XXXX Account Number : # XXXX XXXX * ( 4 ) Account Name : US DEPARTMENT OF ED Account Number : # XXXX TRANSUNION * ( 4 ) Account Name : US DEPT ED Account Number : # XXXX * ( XXXX ) = ( XXXX accounts each bureau ) This serious breach of 15 U.S. Code 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may not furnish an account without my explicit consent, and 15 U.S. Code 1681c ( a ) ( 5 ), which explicitly prohibits any consumer reporting agency from disseminating any consumer report containing any adverse item of information other than records of convictions of crimes which antedate the report by more than seven years, is completely unacceptable. Furthermore, they have violated 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and 1681s2 ( a ) ( 1 ) ( B ), which both dictate that a person may not provide information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to suspect that the information is inaccurate, or have been notified by the consumer that specific information is inaccurate and it is, in fact, inaccurate. Consequently, my credit report is now adversely affected by these accounts, which I have asked for proof and verification of multiple times, yet to no avail. I am confident that these accounts can not be authenticated, as I did not attend any school in 2019. I adamantly demand that the bureaus take immediate action to delete these accounts from my credit report. As a consumer, I am entitled to a fair resolution of this matter, and the only way to accomplish this is to remove these accounts from my credit report. I sincerely thank you for your prompt and decisive attention to this matter.
Consumer complaint received 2020-03-16
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. (FL)

I Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit thank you
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (GA)

I am of victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX  i have not appiled for any credit, nor have i caused any inquires since 2018
Consumer complaint received 2023-06-07
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. (FL)

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XXXX, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. * I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2023-06-07
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. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX The above company is request that I pay a debt that the original financial entity had submitted a XXXX to the IRS, and the IRS has XXXX the XXXX and now I have the XXXX as income to submit when I pay my taxes. So the original financial entity received credit for this debt. and this debt collector is try to make money off a debt that has already been canceled and forgiven. The debt collector is also try to collect more than double the amount of the original debt.
Consumer complaint received 2023-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter out around XX/XX/XXXX to XXXX, Transunion and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day -period beginning on the date on which the agency receives the notice of the dispute from the consumer of reseller. Please take action on my credit report, inquiries and closed accounts, chargeoffs on my credit report. 
Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX **** Account Name : XXXX Account # : XXXX
Consumer complaint received 2023-06-07
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. (WI)

Trans Union LLC. Is reporting these fraud accounts on my credit report. XXXX XXXX, {$3500.00} XXXX, XXXX XXXX  {$5700.00} XXXX, XXXX XXXX {$14000.00} XXXX, Trans Union is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Trans Union continues to ignore & disobey the law. Trans Union LLC knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I have cancelled my membership with Trans Union LLC., why should I pay $ XXXX a month & they don't seem to care about my life. 
Thank You.
Consumer complaint received 2024-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Receiving 30-40 calls per day, as well as calls being placed to an XXXX  ex husband, childhood neighbor and even coworkers. All times of the night they are calling from fake phone numbers and even on weekends and holidays.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

I have reached out to XXXX, Equifax and XXXX for over 2 years regarding XXXX accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open XXXX XXXX XXXX BANK XXXX A and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX Original creditor
Consumer complaint received 2023-06-07
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. (MA)

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 2023-01-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

I used a mortgage company called XXXX XXXX XXXX, they were infinitely better than whoever has my loan now. A company called Newrez and Shellpoint have my loan now and I can not reach anyone at the company. I can not pay the bill because I can not reach anyone. I have called every number on the websites and on the bills they have sent and all of the numbers are disconnected. I have called XXXX numbers, the only number that worked was a fax machine. 
How can a mortgage company destroy my credit but dont have a number to call to allow me to talk to someone about my mortgage? This is very unethical. 
With the previous company I did not miss any payments in XXXX years, and now im XXXX days behind because nothing works and I wont send a random check to an address with a hope someone is real and this isnt a scam. 
I hope someone looks into this company and makes some calls to see how unprofessional and unethical this company is. 
Below will be a URL for phone numbers of the company for your reference : XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (TX)

I have reached out to XXXX, XXXX and Transunion for over 2 years regarding 2 accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open balance XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX  Original creditor