davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (DC)

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be zero. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Florida Account # XXXX, XXXX XXXX Credit Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Reference Account # XXXX, XXXX 's XXXX XXXX andXX/XX/XXXX XX/XX/XXXXXXXX Account XXXX 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 states : A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XX/XX/XXXX
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

1.XXXX XXXX is reporting my capital one card with a credit an inaccurate credit limit. XXXX XXXX is reporting that capital on cars have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all capital one card accounts muliple times 3. XXXX XXXX is reporting closed capital one as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I have online banking and for the last 3 months I have been having problems signing into the account. For the last three months I have to call the bank and going through them asking me the same question all over again why this is happening I don't know. My feeling is they want me to close my account and I am not going to do that.I have been in their system for over 5years Or more so why should I do that. The bank is Roslyn Saving Bank division of New York Community Bank XXXX NY. I need help with this situation
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Inaccurate information on my credit report from ALL 3 major credit bureaus. 
Name on credit report is inaccurate. 
False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge
Consumer complaint received 2022-06-01
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. (NJ)

According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, XXXX, XXXX, AND EXPERIAN MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 

REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( XXXX XXXX  ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED UPDATES AFTER XXXX  CHARGED OFF STATUS IGNORED.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (GA)

I had an account with Barclay credit card which opened in XXXX. I paid the minimum amount due on time, ( can provide proof ) but my account closed anyway. The reason given was that my credit score was low, even though I was paying Barclay to build my credit rating. 

I can provide my payment history and the letter advising they were closing my account because of my credit score. Which should not have been a factor to them. Unless, Barclay needed to offset their profits as a charge off?! 

Since my account was closed without just cause, I made payment arrangements to pay the balance. But, the interest rate is more than the balance. So, another scenario, it was more profitable to close my account, and double the interest rate. Either way, I feel this is an unethical business practice. Each year the interest rate has doubled. My credit limit was {$1500.00}, as of XX/XX/XXXX, Ive paid {$1000.00} and my current balance shows XXXX 

Please review and help with this unethical business practice. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I was involved with a money prize winning sweepstakes and was asked to pay a fee {$50.00} for XXXX then a {$50.00} for lawyer then a couple more times for lawyer and then he tried more and when I couldnt on my PayPal he asked for my XXXX  and wanted to put me on payroll for extra money and then asked for another {$200.00} in XXXX and then asked me for another {$500.00} in XXXX and I tried to get a refund from XXXX but they couldnt because it was final and I even tried getting refunded for everything on PayPal but they only did the last one not the others I got in touch with my credit card company and waiting to hear back on them and I sent a message to my bank to see if I can get the money back from XXXX
Consumer complaint received 2022-06-01
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. (TX)

I have been calling XXXX and Equifax for a year now to try and get this inquiries off my credit. All these inquiries on there I have no idea.
Consumer complaint received 2022-02-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-30
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. (AR)

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After reviewing my credit report I noticed inquires on my report which I did not do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete immediately
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports immediately.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I made a payment to XXXX XXXX credit card on XX/XX/2022 from my Wells Fargo checking account. A few minutes later I called them back to cancel the payment, but the customer service told me that it was not possible and that I had to place a stop payment to the payment through my Wells Fargo checking account. On XX/XX/2022 my Wells Fargo account was overdrawn by {$4900.00} in the mean time I did not have any type of overdraft protection option to on my account to cover it.. Since I did not want the payment to go through I did not deposit the money needed to cover the payment. I waited for XXXX XXXX  of the morning of XX/XX/2022 and called Wells Fargo to put a stop payment to the payment of {$19000.00}. Wells Fargo customer service informed me that a stop payment is not effective when the payment is still pending, but since the payment had already dropped out of my account and the balance restored to positive, the agent was able to place the stop payment for future re-attempts. Since I had other payments and expenses the days following the charge I deposited money on XX/XX/2022 XXXX : XXXX XXXX  when my account was not overdrawn and that transaction was not in my account.. The same day in the evening I logged into my account and saw that they had paid the {$19000.00} for the charge that was presented a day before. I called Wells Fargo and told them that they had made a mistake by having paid a charge that was presented a day before. They apologized and assured me that it was mistake and that they needed to file a claim right away. A few days later I called to find out the status of the claim and they told me that the charge was authorized and they could not do anything even though I never disputed the charge as unauthorized but as a mistake of the bank, I even refused to agree to the disclosure they had read to as it did not apply to me as unauthorized charge dispute. On top of all that I was charged a {$35.00} fee for overdraft transaction fee which my account doesnt qualify for as it doesn't have overdraft protection option.
Consumer complaint received 2022-06-01
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. (TX)

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but Equifax has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MD)

I have been contacted consistently from I.C. System, INC about a debt i don't even remember. This debt does not seem familiar and i explained to them that i am going through alot right now and these daily calls to me are inappropriate. It feels like harrassment. I have blocked the number called from company on XX/XX/22 and a call came in from another number from same company. With all the scamming going on these calls are not necessary. They have made threats to damage my credit at which on XX/XX/22 my credit score dropped XXXX points due to this company.
Consumer complaint received 2020-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

Midland Mortgage fail to adjust escrow to reflect new payment of a lower payment. Midland Mortgage hold overage funds failing to disburse. The company practice of subjecting customers to higher escrow rates when not needed. This company takes 4 to 6 months to correct actions when they have to lower payments. Midland is fraudulent with escrow accounts and handling funds.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX a guard rail was damaged in a vehicle accident on the Florida XXXX. The driver of a truck owned by me was run off the road, Even though there were 2 witnesses to this fact the Trooper ( she was new/in training had to call her supervisor to ask what to do ) charged him with the accident. We hired an attorney and the witness statements were reviewed so it was dismissed, no charges to the driver. XXXX XXXX company confirmed if no charges then there is no liability to pay for the guard rail. This was all communicated to : XXXX XXXX Claims Assistant, Office of the General Counsel - FDOT, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. All documentation of dismissal and attorney 's contact information was provided. 
But then on XX/XX/XXXX I received a collection notice for guard rail damage {$6100.00} due to FDOT from Municipal Service Bureau, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
It stated I could dispute within 30 days and they would mail back to me a verification of this debt. I then sent them a dispute letter via certified mail and I have proof they received it XX/XX/XXXX. I requested they check with FDOT as there is no liability on my part and I requested they close the case as invalid. As of today they have not mailed me any type of verification. They continue to have their agents call and leave messages that I need to pay this invalid debt. When I call back asking about my dispute no one will even acknowledge I sent one. I am being harassed over a debt that XXXX XXXX Co would have promptly paid if I owed it. I have a full property damage policy. I have again written to them today requesting they cease and desist.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/21 im in reciept of a report claiming that i owe XXXX XXXX # XXXX according to the fair debt collection practices i have a right to the allegeddebt validation
Consumer complaint received 2024-03-18
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.