davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2023-03-31
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.
Consumer complaint received 2021-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a formal complaint against Capital One Auto located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-03-25
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)

In XXXX XXXX XXXX there was a fraudulent XXXX XXXX account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year. 

When I contacted XXXX XXXX to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to XXXX XXXX they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.
Consumer complaint received 2021-06-16
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. (UT)

XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX  payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.
Consumer complaint received 2021-06-16
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. (OH)

I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

Account Name : PROG MGT SYS Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2024-01-30
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-07-09
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. (GA)

I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-05-20
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: SYNCHRONY FINANCIAL (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/ XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX  Date of inquiry : XX/XX/ XXXXXXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry:XXXX
Consumer complaint received 2021-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX  credit check run was done by Capital one on XX/XX/2021 There were 3 different hard inquiries by Capital one on XX/XX/2021, XXXX XXXX, XXXX on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the US and I haven't requested credit inquiries or used my credit cards during this travel. 
I am contacting the companies to inform them about the fraudulent activities. 
In addition to that, I have contacted XXXX, XXXX, and XXXX to freeze credit reports and set up a fraud alert on all three. 


Thanks, XXXX
Consumer complaint received 2021-07-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NY)

My nightmare began with Robinhood when I tried to communicate with them because I was not having access to my account. I left messages to no avail. I wrote them a certified return receipt letter requesting my account to be closed. The letter was written and sent on XX/XX/2021. Robinhood never replied ; therefore, on XX/XX/2021, my attorney sent them a letter requesting the account to be closed. Robinhood never responded.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-03-31
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXXXXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-09
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: JPMORGAN CHASE & CO. (NJ)

I have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.
Consumer complaint received 2021-07-09
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. BK OF MO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (WA)

On XXXX XX/XX/XXXX, I contacted Affirm to dispute a transaction I made on XXXX XX/XX/XXXX. I purchased an item on XXXX for {$2400.00} and used Affirm to finance the purchase with three payments and zero interest. The purchase was defective and I contacted Affirm within their stated 60-day dispute policy. I received confirmation of their receipt of the dispute on XXXX XX/XX/XXXX. In that confirmation, they said it would take up to 90 days to resolve the dispute. Ninety days has now been exceeded and there has been no contact from Affirm and no resolution provided. 

I provided Affirm with digital and hard copies of all documentation in the original letter. I also informed them that the XXXX seller closed their account, possibly in order to avoid having to take the item back. To date, I have paid two payments of {$830.00} for a total of {$1600.00} and there is one remaining payment of {$760.00} that is on hold. Their website is not allowing me to make additional payments on this line and they have declined to provide additional lines of credit with the reason stated that I am late with a payment ( in fact, the final payment of this line is showing as overdue as of XXXX XX/XX/XXXX even though it was in dispute for over 30 days prior to the payment becoming due ).
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have qualified for the Public Loan Forgiveness in XX/XX/XXXX and applied for forgiveness. I realized I didn't use their " help tool '' and my application was 'in review ' and has been in review since XX/XX/XXXX. I finally used the Help TooXXXX and submitted my application in XX/XX/XXXX and within 2 days, my payment counts were updated for the month of XXXX. They did not count any of the months from XXXX - XXXX due to my original application being 'in review. ' I have filed a complaint through Studentaid.gov and was told multiple times that my case would be expedited since I am over the 120 months, however, I spoke to someone today in the escalated department through Fedloan and was told there is no timeline. I have had the same employer since XX/XX/XXXX, have certified my employer annually and have never used the HelpTool prior and have NEVER had to wait over two months to update my account. Please help regarding this matter. I have been waiting for this moment since XXXX when I learned of the program and it should NOT BE THIS HARD. Thank goodness I do my research and advocate for myself regarding Fedloan and the Public Loan Forgiveness. I feel terrible for those that have no idea what they are doing regarding this and assume that this will not be as complicated as it is.
Consumer complaint received 2023-03-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX # XXXX My credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information * Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX * Phone ( XXXX ) XXXX * Date Opened XX/XX/XXXX * Date Updated XX/XX/XXXX * Payment Received {$0.00} * Last Payment Made XX/XX/XXXX * High Balance {$540.00} * Credit Limit {$500.00} * Past Due {$540.00} * Pay Status >Charge-off< * Terms Paid Monthly * Date Closed XX/XX/XXXX * Estimated month and year this item will be removed XX/XX/XXXX * Remarks Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy
Consumer complaint received 2021-07-09
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. (GA)

I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.
Consumer complaint received 2021-06-16
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. (LA)

Equifax is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
Equifax was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX  with XXXX XXXX XXXX. 
I DISPUTED the Balance with Equifax, XXXX. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
EQUIFAX, XXXX, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.
Consumer complaint received 2021-07-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (DC)

On XX/XX/2021 I sent a validation request and Cease & Desist to The Dept of ED NELNET INC. Sent via certified mail with receipt. I REQUESTED copies of any papers to show I have agreed to pay such alleged debt and information on the identity of the original creditor. My letter was received and ignored by this company which is a direct violation of 15 USC 1692g My consumer rights have been violated and my rights to privacy have been violated as well. An this company continues to violate me to this day with false information reported to the credit bureaus negatively affecting my credit worthiness and ruining my reputation. which is a direct violation of 15 USC 1692d ( 1 ) and defamation of character. This company is aware of the all the violations against me and the remedies I demand to rectify their wrongdoing.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

i opened an account in chase bank about 6 weeks ago and i made a deposit of XXXX i was declined access to my funds. i was told that they have to verify where the money is coming from. i clearly told them that i can provide all the information, but nothing changed, so i told them gust send back the money and they refuse to do so,
Consumer complaint received 2021-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax is reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 6th dispute letters to Equifax XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.