davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$860.00} ; XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I changed my number with XXXX and went from post paid to prepaid two months ago. Ever since then, I have not been able to access my account due not being to move past the verification stage due you my phone number now being prepaid. After two months of not being to see my account, I have had to use the automated system to make payment. I called in to capital one identity department today XX/XX/2020 to request my phone number be changed. The first agent hung up on me so I called back and asked for a supervisor. The agent transferred me to someone named XXXX who claimed to be a manager in the fraud department. After uploading my drivers license to the portal link he sent, XXXX tells me the back office that handles licenses will not be able to verify my ID between XXXX and XXXX EST. I asked was this some kind of joke and he replied and said no theres nothing he can do.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Account Systems of Omaha, LLC (NE)

This account is showing on my report : NATIONAL ACCT SYSTEMS-OM XXXX, NE XXXX NATIONAL ACCT SYSTEMS-OM XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency National Account Systems
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (MA)

I was sent a debt collection notice on XX/XX/2019 because my XXXX  didn't work while I was driving in XXXX 2019. Because I was moving around, I didn't hear back from Delaware DOT and it was sent to debt collection. I mailed them a letter ( drafted using the XXXX website ) on XX/XX/2019 asking for more information about the debt, but heard nothing back. I sent another letter in XX/XX/2019 and heard nothing back. I received a letter from them dated XXXX XXXX that said " 2nd Collection Notice ''. I called them back and asked them why they didn't reply to my two previous inquiries. They said they couldn't mail me back unless I lifted the case and desist letter. The customer service representative said they were going to mail the information I asked for, but then stopped when they received a Cease and Desist letter. I then asked how I got another letter, and they said they did not know. I asked to speak with a supervisor and the supervisor said they had no record of me asking for information about the debt. She gave me another PO Box number which was different from the letter PO Box number on the mail I received. She said she would file a dispute and an investigation.
Consumer complaint received 2022-03-22
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. (FL)

As of XX/XX/2022, TransUnion is reporting that I have an installment loan with XXXX XXXX XXXX XXXXThey have failed to show that I have signed an installment loan contract with them. This account does not show up on my XXXX report of XXXX. In addition, TransUnion has a Department of Education account that doesn't show on my XXXX report. TransUnion has failed to show a signed document with my signature about this account. They also have two incorrect addresses on file. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

The Creditor as claimed is XXXX XXXX  XXXX XXXX Fl. The application for the apartment was jointly made with my son who is in college at the time. There was XXXX which led to XXXX at the apartment. No keys was issued or lived in the complex for one hour, they were called by my son that he was no longer interested. XXXX XXXX XXXX XXXX then turned around saying that I owed them {$4100.00}. This is affecting my credit score and unable to secure credit for any thing.
Consumer complaint received 2020-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (WV)

MY GRANDPARENTS COSIGNED FOR ME A COUPLE LOANS THROUGH SALLIE MAE. LONG BEFORE I GRADUATED THEY STARTED DEMANDING MONEY IS LARGE SUMS. MY GRANDPARENTS PAID THEM OVER XXXX AT ONCE WHEN THEY GOT TRICKED INTO THINKING THEY HAD TO. I HAVE TRIED TO TELL SALLIE MAE THAT I MAKE XXXX HOUR AND ALONG WITH BILLS AND RENT I ALSO HAVE A CHILD TO TAKE CARE OF. I CAN BARLEY AFFORD TO PAY THEM ANYTHING BUT AM WILLING TO PAY THEM XXXX OR SOMETIMES MORE A MONTH. MY GRANDPARENTS ARE RETIRED AND CANT AFFORD TO PAY THEM WHAT THEY ARE DEMANDING. THEY ARE NOW CALLING MULTIPLE TIMES AN HOUR MAKING THREATS AND HARASSING US AND BULLYING US. THEY SAID MY LOANS ARE IN DEFAULT AND NEED MY GRANDPARENTS TO PAY XXXX UP FRONT NOW AND ME MAKE XXXX MONTH PAYMENTS. I TOLD THEM I CAN SEE ABOUT THAT A MONTH BUT MY GRANDPARENTS CANT AFFORD THE XXXX UP FRONT. THEY WILL NOT SETTLE FOR ANYTHING BUT THAT. THEY ARE THREATENING TO SUE AND THEY INVADED MY GRANDPARENTS PRIVACY BY LOOKING INTO THEIR BANK ACCOUNT. MY GRANDMA TOLD THEM SHE COULD NOT AFFORD TO PAY THAT UP FRONT AND THEY TOLD ME THAT THEY KNOW SHE CAN AND THAT THEY KNOW MORE ABOUT IT THAN I DO. THE SALLIE MAE REPS ARE VERY RUDE. IM NOT TRYING TO GET OUT OF PAYING BUT I WANT MY GRANDPARENTS OFF THE HOOK AND FOR ME TO BE ABLE TO PAY AFFORDABLE PAYMENTS A MONTH. I CAN NOT GO HOMELESS BECAUSE OF THEM. I HAVE MY CHILD TO THINK ABOUT AND MY GRANDPARENTS BARELY HAVE MONEY, JUST ENOUGH TO COVER BILLS AND FOOD. PLEASE HELP ME GET SOME TYPE OF RELIEF. IM ABOUT TO GO CRAZY. AGAIN THEY CALL MULTIPLE TIMES AN HOUR WITH ACCUSATIONS AND DEMANDS.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2019, I opened a XXXX XXXX  Mastercard by Comenity Bank. I have used it a total of 3 times. I paid for the first 2 charges as soon as I received a bill. I tried to do this by logging in to their website and entering my information so that I could autopay my bill. I could not get the website to take my information. I called and spoke to a representative gave my information and was told I was all set. When I received my second bill I tried again to pay it online, again I could not get the website to accept my information. I again called the company and spoke to a representative, again I gave all my information and at that time I paid the bill long before it's due date. This month I had no current charges and being an XXXX did not check the bill immediately. When I did check it I found that the last charge was still on the bill along with a late fee and an interest charge. I again called the company and was told that the payment had not gone through so the late fee was justified but " out of the goodness of their hearts '' they waived {$15.00} of the {$27.00} fee. I am never late with payments! My credits score is in the high 700 's. The card in question is currently in my trash in many, many pieces. I paid the bill in total through my bank immediately.
Consumer complaint received 2022-03-22
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. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My student loan payments are missing on the XXXX website. I have been in repayment from XXXX and many of those years are missing, due to the fact one of the loan servicer is no longer a loan servicer. Fortunately the loan servicer who took my loans over has most of their records. I need these payments counted so that I can complete the PSLF, I have been employed from XXXX to present with more than 10 years of service to complete the requirement of the loan forgiveness program. I have my current servicer response but until XXXX signs off on the count nothing will happen. They are not helpful and I know they are overwhelmed but I have the documentation needed. I did a complaint in XXXX of XXXX and they said records are correct. Since then I did receive my records from XXXX and XXXX ( attached ).
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate information.
Consumer complaint received 2023-01-17
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. (CT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-17
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. (CT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX 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 2020-03-12
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. (NC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

An account shows up on my credit report for " CREDIT COLLECTION SERVICES '' with the original debt listed as coming from XXXX XXXX. The first reported date is listed as XX/XX/2018. 

I have contacted Credit Collection Services to ask for details or policy number for the amount owed. Twice I have been hung up on as soon as I ask for this information. I tried calling again today and was placed on hold while the representative " looked for the policy number '', after a brief hold the call was disconnected. 

I have spoken to 3 different customer service reps from XXXX XXXX ( My current auto insurance company ) and they show no amount owed for any current or previously held policies. XXXX asked me to ask the collections company for the policy number before making any payment to them. 

I am attaching a log of my most recent conversation with XXXX regarding this matter.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i did received a check XXXX on XX/XX/2017 at that time i was moving from XXXX to XXXX, the check was for a refund of over payment, and the check got lost. Later I close my account with XXXX balance. since then i try many time calling capital one, they put an hold and promise to re issue a new check, every time they wan na verified my address, & i have to wait couples of weeks to received a new one and never received any new check.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group (NY)

Dispute : XX/XX/2020 CFPB XXXX XXXX Incorrect account balance : {$250.00} I contracted the services of Arete Financial Group, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is XXXX  XXXX with an original debt of {$250.00} I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$56.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$250.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$56.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MD)

I have attempted on multiple occasions to resolve this issue with NCA. NCA has violated section FCRA 809 ( a ) notice of debt. I was not notified in writing of any debt or presumed debt prior to credit reporting in XX/XX/2020. I also was not provided a 30 day period to dispute and validate the debt. I initiated contact about what was reported to the credit bureau in XX/XX/2020. 
NCAA has continued to change the timing of notification yet has been unable to provide any proof of written notification, after 5 complaints with the CFPB. Misleading representation of validated debt has been recorded via credit reporting agencies and and resulted in damages to my credit file and credit reputation. If removal of all reporting is not done immediately I will seek civil liability and report these violations to the FTC within 10 days.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Hello, I am a member of Penfed ( Pentagon Federal Credit Union ). On XX/XX/2021 I applied for their XXXX credit card online but was denied. Instead I received a counter offer of their Cash Rewards credit card. I never accepted that, didn't sign any paper physically or digitally, never made a response to the counter offer. Today XX/XX/XXXX I received the Cash Rewards card in my mail ready to be activated. I called PenFed at around XXXX CST about this and told them I never wanted the Cash Rewards card and never accepted it, and asked them to not have it be reported to my credit reports. The Representative, XXXX told me there's nothing they can do on their end to fulfill my request. Therefore I'm filing this complaint against PenFed for opening a credit card for me without my consent.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-24
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. (MO)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2200.00} ; XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX XXXX and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXX  XXXX XXXX , US DEPARTMENT OF EDU, XXXX XXXX XXXXXXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX