davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (NV)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00}, XXXX XXXXXXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$8200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2300.00} ; XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31
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: Nelnet, Inc. (DE)

I have contacted XXXX XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Consumer complaint received 2023-07-26
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 (NC)

I am a venture credit card holder and referred XXXX XXXX XXXX last XXXX XXXX for the card who was approved per my referral link and met sign up bonus timely, and I did not recieve my XXXX referral bonus as promised after waiting repeatedly per capital one customer service, very frustrating and misleading. Please credit my account XXXX the XXXX venture miles as soon as possible as promised.
Consumer complaint received 2022-11-21
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. (NV)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00}, XXXX XXXXXXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$8200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Our house burned down on XX/XX/23. The insurance company sent the check for {$610000.00} with my wife, I and SPS Mortgage company. We signed the check and sent it SPS Mtg on the XXXX. I called every day for 9 days, SPS stated that they didnt receive it up until the XXXX. The same day I was told by the Loss department of SPS that the check came.I revealed that the check was stopped and another endorsed check was sent on the XXXX. The check was cashed on the XXXX and I was told that it would take up to 30 days to receive my approximately {$470000.00}. I have called over XXXX times and never can get any definitive answer to what the actual procedure was and the last 4 times Ive called have received 4 different answers. SPS Mortgage has refused to give me my {$470000.00} dollars. How do I get my $?
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

on XX/XX/XXXX I made a deposit to my XXXX acct. at citizens
 bank for XXXX the teller made a mistake and wrote XXXX
I told her it was XXXX they made me come the next day 
so they could fix the mistake. They deposited XXXX into
my acct. I assumed all was good but 5 months later XX/XX/XXXX
they debit my acct for XXXX saying their was an encoding
era and they never received the funds from my deposit they 
then took what funds were in my acct. and said I owed the
balance. XX/XX/XXXX is when looked at my acct. online and was
beside myself. I lost a days wages a check bounced on me
and i could not pay my subcontractors. Their is something
seriously wrong with doing this 5 months later what if i could 
not contact the customer to be reimbursed the funds or he 
died. how would i be able to fix this without major implications 
to me and my family. I want something to be done about this!
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NY)

On Thursday, XX/XX/XXXX, I received a letter in the mail from a city marshal stating that a judgment was settled against me and my wages were to be garnished. I never received a letter validating my debt, nor has anyone ever tried to contact me. I am not familiar with the creditor or the debt on the judgment. According to the letter, it was from a debt from 2012. I do not recall anyone reaching out to me about any debt at that time, nor have I ever received a letter about any debt at that time or ever since.
Consumer complaint received 2022-11-21
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. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rent Recovery Solutions (GA)

Rent recovery solution Acct XXXX XXXX XXXX XXXX I checked my amount due to XXXX  recovery and it was different from the judgement of the courts and I would like to have the judgement and well as the incorrect amount dismissed /deleted off my reports as a violation to my consumer rights I was never aware or recieved any validation of this debt according to 12CFR 1006-34 ( C ) ( 4 ) ( I ) I was never given a chance to dispute
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (PA)

A fraudelent account on XXXX XXXX with XXXX XXXX XXXX appeared on my credit report and on XXXX went delinquent after I had already reported it fraudelent back in XX/XX/2023 XXXX took my score down XXXX points and has not returned my points after XXXX XXXX was found to be fraudelent and removed. I would like my score returned to what it was before this fraudelent account.
Consumer complaint received 2023-07-11
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. (KY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (CA)

After speaking with an Upgrade customer service agent, I was told that it takes there company 7 business days to post charges to their credit card so you are not able to pay off the actual full balance, only what shows as the balance minus charges with the last 7 business days, but the dates for the charges show the current date, ( the image showing pending charges have a date of XX/XX/2020, but were charged 5 days prior to that date ) even though your account shows your current balance with those charges that they deem as " pending ''. And when you do make a payment, it does not deduct from your bank account for 7-10 business days and you are charged interest that has not yet accrued when you make that initial payment. It will eventually credit back to your bank account, but I question charging interest that has technically not yet accrued. If you do try to make a payment over the amount due ( which they automatically will deduct ) you HAVE to speak to an agent over the phone, which I have actually been on hold for 35 minutes just to talk to someone to make a payment. This companies goal seems to be to ensure it's customers accounts show activity that is not necessarily happening.
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: EQUIFAX, INC. (TX)

During the covid pandemic on 2020 I did a forbearance with XXXX XXXX, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with Capital One and got behind on my payments, Capital One got a judgment lien on my home ( XX/XX/XXXX ) and tried to attach my wages, but I made a settlement with their collection attorney and sent the law firm the funds on XX/XX/XXXX. However, Capital One has not released the lien on my house, or signed a satisfaction of judgement. My house has since gone to foreclosure, and I have negotiated a 'quick sale ', to avoid foreclosure ... But I need this lien released I have a buyer and approval to sell my house, but title is now clouded by this Capital One lien. 
1. I called the Law Office ( XXXX -but their phone was disconnected, So I looked up the attorney, XXXX in the California Bar and got his phone number and called him. XXXX said he does n't work for Capital One anymore and to call Capital One 's, So I called Capital One customer service says that the account is closed and paid, but they also sold the loan to " XXXX '' ... So I phoned and faxed all the settlement information to a " XXXX at Capital On and to XXXX -with their case number & XXXX. On XX/XX/XXXX and again on XX/XX/XXXX and again on XX/XX/XXXX. 
I have n't received any response and I need to get proof to the XXXX county to get the lien released. 
Please Help
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-11-21
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. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX  Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2022-11-28
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. (NC)

I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and Experian - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), 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 or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by navy federal and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XX/XX/XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with navy federal or go to court to vacat the judgement and now we are not able to pay our rent.
Consumer complaint received 2022-11-21
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. (NV)

This is my numerous endeavors 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 alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Consumer complaint received 2023-04-17
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (MN)

In accordance wit the Fair Credit Reporting Act ; MN XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.