davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. I will file a lawsuit ASAP!
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had four accounts with them as of XXXX, XXXX ; two checking and two credit cards.

In regards to my credit cards, I never missed a payment. My payments were all on time, always. I had one card for over four years, and the other was just short of a year. 

In XX/XX/XXXX, I sign onto their app to pay my bills and see that they have disabled BOTH credit card accounts.

I made large payments on both accounts, while I waited to speak with representatives.

I talked to 3 different representatives. I was on the phone almost two hours trying to get an answer as to why the disabled my accounts. 

Finally, I was informed that it was due to a payment return. 

I was never notified or given an opportunity to make this right. 

The payments I made that were returned was a simple accident, as I confused accounts I paid my bills from. Once I realized my mistake- I corrected it ASAP ( within days ). 

I was told I violated their terms. I was a very loyal customer for years and they shut off both of my lines of credit ( without my knowledge ) over a minor mistake. It is unfair for my credit to reflect this step that they took, as I had managed my accounts perfectly prior. I never missed a payment. 

I am not happy about the way that they treated me, and how much damage they did to my credit. 

During this time, I had been working so hard to improve my credit with hopes of finally buying a home in XXXX. 

All they told me is, so sorry miss but theres nothing I can do - BYE *click* I sent so many friends and family members their way - as I loved their 360 banking model. In XXXX, I took 5 of those people from their services, once they heard about how I was treated. 

They lack in customer service. They lack in communication. They lack in empathy. 

5 thumbs DOWN.
Consumer complaint received 2021-01-18
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. (UT)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (RI)

I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was may and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CIBC BANCORP USA INC. (SC)

I have 2 prepaid Visa cards. the expiration dates on the cards is XX/XX/23. Went to site on the card PREPAIDCARDSTATUS.COM to request the cards to be reissued ( which can be done up to 12 months after expiration ) I get the response " The card you are attempting to access has expired and has passed the eligibility period for access or replacement. ''
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

Sin ce Navient beca me my servicer, they have told me that my loans qualified for Income based repayment, which they did and I promptly enrolled, however, since I am eligible for PSLF Navient told that my loans were eligible for that program. Today I was told that it is not the case, and that my loans and years worth of being enrolled on the program will not count towards PSLF.  This took 3 hours and four different people giving me four different kinds of information. Navient should make two years worth of interest payments on my behalf and those two years should be counted towards my PSLF program. This should be illegal and could potentially cost me thousands.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MA)

I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my XXXX XXXX XXXX motor vehicle and our. property service by Ocwen Loan Servicing I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, 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. (RI)

I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (FL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2023-03-08
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

so many problems with Ally ... where do I begin? 

( Note that there are numerous problems with Ally, but the CFPB complaint form only allowed me to choose one account and one problem ) 1. Scam : a. I received a phone call ( allegedly from XXXX at Ally Executive Customer Relations ) and email telling me to call a phone number that I don't know ( XXXX ). I XXXX called that number and left a message - then later I searched for the number online and it's high risk of spam. On XX/XX/XXXX I messaged Ally through their website " I received a phone call from a number caller ID calls " SPAM RISK '' asking me to contact Ally. Also an email... Please communicate only via this online Secure Message system, so that I can be sure it isn't a scam... And if you need to tell me something ... what do you need to tell me? '' I have never heard back from Ally - not in response to the voicemail I left, and no response to the message I sent through their website. b. So was it Ally who called / emailed, or not? c. And if so - what does Ally want? Per my message - Ally should communicate ONLY through their website so I know it's really them. d. And if it wasn't Ally who called & emailed - how did the scammer get my information? 
2. MAJOR problems with debit card : a. They cancelled my debit card without telling me- this could have caused a very embarrassing or even legal problem if I were unable to pay for my meal. I have a new debit card now so this is no longer an issue for me- but the fact that they will cancel a debit card without informing the customer IS an issue. 
b. They allegedly sent me two debit cards which I did not receive. NOTHING should be mailed to my street address EVER. That's why I have a separate MAILING address. Even though thecards have been cancelled, there are still questions : What address did they send them to? And why didn't I receive them? As I have messaged Ally, I was a victim of identity theft- do they have another address for me? Did somebody hack my info? 
c. As I messaged Ally on XX/XX/XXXX through their web sitebut they have ignored my message - when I FINALLY received my debit card, I was unable to use the toll-free phone number on the card to activate it, as it would bring me to an endless loop of voice messages. ( I finally was able to activate it using their phone number for out-of-country phone calls. 
3. Retirement account : a. They have yet to answer my question about what KIND of retirement accountwas my XXXX account, and they refuse to answer - onlystating that it is a retirement account ( duh ) but not telling me what kind ( IRA? Roth IRA? Other? ) 4. Checks a. I ordered ten checks- and received 20 checks with the wrong starting number. So far this has not caused problems, but it's yet another example of their incompetence.
Consumer complaint received 2021-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (MI)

This company preys on hard working Americans. High interest rates ( almost 100 % ) I have asked for help several times, forbearance, deferral, lower rate, etc to no avail. During this time, My hours are low, income is low, and there is nothing they " can '' do. Now, my credit is bad because of them, and I do not have any options. They dont care, and I do not know what else to do. Please help.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.
Consumer complaint received 2024-03-22
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. (TX)

I looked at my report back on XX/XX/2024 and noticed that one thing are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. These accounts XXXX XXXX XXXX acct XXXX, XXXX XXXX, XXXX XXXX XXXX acct. XXXX are not complete and accurate.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

To Whom It May Concern : Transworld Systems on behalf of XXXX XXXX XXXX has tried multiple times, via mailed invoices, to collect a debt of {$31.00}. The current amount Transworld claims I owe is {$36.00}, which includes a " collection fee '' of {$4.00} ''. This debt is not mine and I do n't know how it was attributed to me. I want to lodge a formal complaint that Transworld Systems is harassing me, attempting to collect funds from me for which they are not owed, and attempting to negatively affect my credit. 

I want to specify that this debt is not mine as : 1 ) I do n't have a XXXX account # ; 2 ) I do n't have budgetary signing authority at my company. 

I tried three times XXXX most recently on XXXX/XXXX/XXXX ) to call Transworld at the phone # on the invoice - XXXX - all three times I received a generic outgoing message that the " person at extension XXXX is unavailable, please leave your message after the tone ''. I want to verify that the mailbox number is not a typo - the message states that long string and does not refer to Transworld being the owner of the mailbox. 

To resolve this matter - I want XXXX and Transworld to send me a letter apologizing for and absolving me of this debt. Also in this letter I want verification that XXXX and Transworld have notified all three credit agencies that this debt is not mine and that it is struck from my credit reports. 

Thank you very much for investigating this claim, and I look forward to your reply XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

The attached items are in violation of the Metro 2 Credit Reporting Guidelines and should be deleted from my credit file.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.
Consumer complaint received 2023-03-08
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently obtained a copy of my credit report from your bureau and noticed inaccuracies in the reporting of late payments on my account. Despite multiple requests to remove the late payments and update the reporting accurately, no action has been taken. Other bureaus have completed their investigation and updated the reporting accordingly. These late payments are inaccurately reported, and I believe there has been an error in the reporting. I want to emphasize that I have consistently maintained a positive payment history with the mentioned creditors. There were no late payments during the disputed period, and the current report does not accurately reflect my creditworthiness. I am formally requesting an investigation into the inaccuracies in my credit report. Please update the account instantly : XXXX XXXX XXXX XXXX