davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
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. (TX)

THE FOLLOWING ITEMS HAVE BEEN MADE BY TRANSUNION ON MY CREDIT REPORT. I HAVE NOTIFIED THEM THROUGH MAIL ABOUT THESE ERRORS AND THEY HAVE NOT BEEN REMOVED. THEY ARE IN VIOLATION OF THE FCRA AND NEED TO BE HELD ACCOUNTABLE. 

XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 120 days late '' but XXXX shows " 150 days late '' it can not be both when you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 120 days and only have ( 1 ) 30 day late payment at the same time. 

XXXX Account Number : XXXX You are reporting there is a " Balance '' of XXXX and a " Past Due '' amount of XXXX It can't be both. Bureau Code says " Authorized User '' on a " charged off '' account so it should removed because the account does not belong to me. 

XXXX XXXX XXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. You are reporting " date of last payment '' XX/XX/XXXX but XXXX  and Transunion show XX/XX/XXXX..It cant be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 ) 30 day late payment but transunion shows no late payments. It can not be both. You are reporting " Date of last payment '' different from XXXX  and XXXX. It can not be both. 

XXXX XXXX Account Number : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (LA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

We were in debt trouble in 2008. So we apply for this Home Equity loan In XX/XX/2008 with XXXX XXXX Chase. The home estimated value was around {$60000.00} with an first mortgage also around {$40000.00}. They offer us a loan value {$95000.00}. After 14 years of paying on this loan the amount is current at {$85000.00}. We have been trying to find a way out of this loan but the home value has not no where come close to refinance. My question is this loan consider to be an subprime or predatory lending loan? If so is there a way out?
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2022 there wasnt charge from Walmart in the amount of XXXX which I didnt authorize I was home getting an infusion of my meds not in Walmart my card was in my purse. Capital one then proceeds to charge back my disputed charge making my account over drawn by XXXX telling me the charge was valid when I have prove from my XXXX XXXX that the nurse was in my home that day
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX, DISCOVERBANK XXXX )
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my Trustee over night a Negotiable instrument in the form of a check {$51000.00}, XXXX. CAPITAL ONE AUTO FINANCE, INC processed it and applied the payment to my account. They release the title a few days later and a refund of XXXX XXXX US dollars. I never received my title nor the refund. 30 days past and i followed up with them and they told me that my title was mailed and my refund was also mail but never received anything in the mail. I moved from XXXX XXXX to XXXX XXXX and forward the mail but still never receive anything. The account was closed showing PAID in full. on XX/XX/2023 I saw that they reopened the account stating that the routing number is invalid. It was a bill of exchange and they were sent instructions of how to process the instrument. They VIOLATED public law 73-10, TILA and FDCPA. They have sold my promise to pay and it is on the stock market trading, I was never made aware of this until my broker looked up my account number and found CUSIPS associated with my security that they sold. I did not receive any proceeds from this, My identity was sold without my knowledge and consent, I did open an identity theft case on this account with the IRS as well. Please audit and have them close this account, they are in several violations I since then sent a second instrument to them and they have not made any updates to my account and its been over 7 DAYS now. They have received a total of over XXXX plus now. They are stealing these funds and not applying it to my account.
Consumer complaint received 2022-01-31
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE is reporting on my personal credit file. This company has illegally re-aged this account. Please investigate thoroughly and delete this account from my file. 

( CAPITAL ONE XXXX )
Consumer complaint received 2019-12-19
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: AES/PHEAA (OH)

I received a letter from FedLoan Servicing dated XX/XX/XXXX. The letter was regarding a response to my request to have a portion of my student loans discharged  due to school closures. I was advised in the letter that I am no longer obligated to make payments on these loans. I was also informed that all adverse credit history associated with the loans that have been discharged that was previously reported will be deleted to each nationwide consumer credit agency. I am still waiting on this to happen. I filed a dispute with each of the credit bureaus XXXX, XXXX, and XXXX. At the beginning nothing was done. I then sent letters to each credit agency that included a letter from me as well as thee letter that was sent to me from FedLoan Servicing stating how the loans was discharged. The only credit reporting agency that removed the account from my credit report was XXXX. I just don't understand that if I submitted the correct documentation and one credit agency verified and validated what I sent in removed the account why couldn't XXXX  and XXXX? I thought and I have read that the credit reporting agency 's obligations just to name a few are : *Investigate any disputed credit information in your file, with very limited exceptions. 
*Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. 
*Refrain from reporting old credit information. In most cases, information that is more than 7 to 10 years old is considered old.the last obligation listed is due to me submitting disputes with all 3 credit bureaus for reporting accounts that are over 10yrs old that are continuing to report negatively that is still on my report that should have been deleted. I have been disputing this issue since XX/XX/XXXX and still nothing has been done. I was told that it was not over 10yrs old because the reporting company updated my account I advised each credit agency how can anything be updated when the company updated the information once I submitted the dispute, prior to that it is several accounts that are over 10yrs old and some are with inaccurate date of my first late payment but still yet no corrections no deletions. I have been fighting with FedLoan servicing, XXXX, and Department of Education concerning each of the loans that have been discharged but yet I am still receiving increase balance on my FedLoan Servicing accounts.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I have attempted over the past week to set up auto payments with the loan servicer ( MOHELA ) in order to make payments. There has been issues with successfully making payments ( I was told it was that the financial institution rejected the payment ) and I have used MOHELA 's secure messaging system to figure out a solution. Through messaging and providing as much detail as possible I have attempted to fix the problem and make payments ; however, the response from MOHELA has been extremely underwhelming and the replies have not provided any information on how to fix the problem. The responses have appeared to be stock responses and have not been helpful at all nor addressed any of the questions I asked. Very disappointed with the quality of costumer service..
Consumer complaint received 2022-11-19
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit is a third party debt collector who keeps calling me on my job and harrassing me. The number is XXXX. I have repeatedly asked them to stop calling me on my job. This is the second time and they call my co-workers, asks for my name and get transferred. Then they ask for me and say it is a recording, then another person comes on the phone and asks me to verify who i am so i ask them to verify who they are and they get nasty and say the will not. This is causing me stress and anxiety on my job and I want it to stop.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

XXXX XXXX joint checking with over XXXXin it. We moved upstate and had our mail going to a XXXX XXXX , social security checks were being direct deposited. Social security stopped the deposits because of lack of address. On Friday XX/XX/30 I went to my citibank branch XXXX XXXX XXXX XXXX Ny XXXX & the lady told me my account was closed. They called the manager and allegedly he said hed mail me a check. They wouldnt tell me who authorized closure, when it was closed. I never received notice to my P.O. BOX of closure. My XXXX went up to dangerous levelsXXXX. I had to leave the bank as I felt myself getting XXXX & I had my wife with me & she has XXXX. I couldnt afford to lose it. I was given a number & told to call In 48hrs. Im dictating this letter to my daughter to submit In case I get worse. I need this bank investigated and I want our money.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the XXXX XXXX. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a XXXX and XXXX XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX  of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Equifax liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX  done.
Consumer complaint received 2023-01-16
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. (TX)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX 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 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy :15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions :15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. :15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

Received letter for not paying medical bill that was already enrolled for monthly payment on XX/XX/XXXX, the installments were completed by XX/XX/XXXX. We did talk with the hospital and got confirmation that there was no balances and informs the same to the customer care representative. The debt collector reported derogatory on XX/XX/XXXX and XX/XX/XXXX for the paid amount.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica (TX)

Tuesday, XX/XX/2019, my Direct Express card was stolen. I immediately began contacting Direct Express but to no avail. Even today, XX/XX/2019, all I get is a robot on the phone numbers to Direct Express. The robot keeps asking for information that was on my card that was stolen and I do not have it. So, I can not move forward to have the card cancelled. My benefits are loaded onto my card at the first of each month, and I am trying to prevent further theft of my funds.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX