davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2023-05-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXXXXXX XXXX  XXXX XXXX Balance : {$500.00}.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (WI)

My mother was added to my account without my explicit verbal or written permission. When asked how I can remove my mother from the account, I was told I need to pay the balance in full before that can happen. They did not offer any other recourse or explanation as to how she was added to the account.
Consumer complaint received 2020-03-27
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. (FL)

I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for a Capital One Credit Card and was denied. They stated it was for prior activities which is false information. I've never had a capital one card and have stated that to the credit bureaus several time. The credit reporting agencies have deleted and blocked the fraud accounts from my credit reports but capital one keeps denying my request which is against the truth and lending act 1968 15 U.S.C. CH. 41 1601 According to 15 U.S.C. 1602 Banks do not extend credit to me, they are middlemen who help me access my credit account. I shouldn't be getting denial letters as I have never had an account.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OH)

I received letter from Citibank Client Services, XXXX # XXXX, that I requested a new Citibank account. I did not request to open an account with Citibank, so I called the phone number in the letter. I gave Citibank the file number on the letter, but it still wanted my social security number and all my other personal contact information to make a report, and I refused. I was told I needed to contact the FTC to file a complaint.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2020-03-27
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX   partial account number XXXX. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 )  day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, XXXX has my name missed spelled. My name is XXXX ' XXXX XXXX.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (WA)

I have an {$11000.00} purchase I made using a 0 % balance transfer offer that expires this XXXX on XX/XX/XXXX. I just made a balance transfer payoff from another credit card company of {$11000.00} and an additional payment of {$640.00} XXXX beyond the minimum monthly payment of {$220.00} XXXX for a total of the original charge of {$11000.00}. 

I emailed customer service in advance and requested that these payments be applied to the expiring APR. Customer service replied that they would first apply any payments beyond the minimum payment due to any balance that isn't on a promo ( but I don't have any such balance ) and then they would apply it, at their discretion, anywhere they like, which " may '' result in paying off the balance that is due to expire in XXXX, not this XXXX! 

The credit card statement that shows the monthly payments does not show to what balance the {$250.00} I've been paying per month for the last year has been applied to. Nor does the fine print on the credit card statement detail how promotional APR balances are paid down from monthly or additional payments. 

As the consumer, I should certainly be able to request the expiring APR balance be paid with the 2 payments I just made and they are telling me " it's at their discretion '' ( I have attached a screenshot of their reply from customer service stating this ). 

This is taking advantage of me as a consumer to not be allowed to pay off an expiring promotional balance. And their policy of applying payments to any balance they like " at their discretion '' is not on their credit card statement either. I need help with this. 

XXXX XXXX
Consumer complaint received 2020-03-27
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$0.00}
Consumer complaint received 2020-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MO)

I received a letter mailed to me dated for XX/XX/2020 and received it XX/XX/2020. Their website claims I owe {$400.00} to XXXX XXXX XXXX, but I have never opened an account with this bank or taken out a loan with them. Radius Global Solutions LLC are asking me to send in a payment online, by phone or even by mail. I have tried contacting them, but none of their offices or phone lines are available due to COVID-19.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal credit union has held my funds from me for XXXX years. Via telephone, I have been transferred to the security department to deal with this issue After being on hold for XXXX hours, I was advised to go into a branch. When I went into the branch, they had me call the security center again, which I was inclined to wait there for another XXXX hours for the call to be dropped, and the branch to close. I do not have time to spend sitting in the bank for XXXX hours. Thereafter these uncomfortable interactions, my checking/savings account is no longer accessible online anymore. I feel as if I have been waiting long enough and they are unlawfully holding my funds
Consumer complaint received 2023-05-26
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is frau
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

KOHLS is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-28
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. (GA)

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 THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2024-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My card was used to rent a car in the XXXX, I was in XXXX at the time. i dispute the transaction but the wrong amount was entered. i went back and forth with Cap one and no one ever said i need to file a police report. which i did in XXXX all fees are associated with that charged. i didn't pay the bill because i didn't cause the problem
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (NY)

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.

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 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 2024-03-14
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. (VA)

Trans Union keeps reporting information which should no longer be showing on my report. XXXX or XXXX shouldnt be showing. I didnt have a remaining service bill with this company. I also returned all of their equipment and Im wandering why a debt of {$140.00} is showing on my Trans Union report. I havent used this service in over XXXX XXXX to XXXX  years. Trans Union also keeps report some debt for a credit card I dont ever recall having or securing in XXXX. I didnt create any debt in XXXX. The debt keeps fluctuating between {$14000.00} to just shy of {$2000.00}. They keep claiming when I dispute it they have investigated. Im not sure what information they are being provided. Is there a card number I can reference?
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I am writing to file a complaint with you about my mortgage lender ( loan depot ). They raised us almost {$600.00} a month for our FHA loan due to the fact that their companies merged and the new company wants 2 months in escrow. Weve had the mortgage for XXXX years now and this has never happened until they merged. We got the news right before the holidays. Ive requested to not have escrow but due to my loan I have to have it. Ive also asked to cut it up in lower payments and still nothing. We can barely afford our mortgage now never mind raising it even more. This is completely unethical and unwarranted especially with a government loan.We cant even get our person back on the phone again from them and have left numerous messages. Can someone please help. Thank you.
Consumer complaint received 2023-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The XXXX of XXXX I received a letter from Bank of America dated on XXXX XXXX, with reference number XXXX, asking me to call at XXXX XXXX XXXX to verify that I submitted a credit card application. 
They explained to me that the Credit Card Application includes my personal information which they used to run a credit report. I noticed that the letter is not Signed for any customer service Representative. However, I called and the person on the phone asked me for my SSN and DOB that I denied to her. I just explained to her that I never applied for a credit card to Bank of America. 
Later I went to check my XXXX credit report and I found out that I had a Hard Inquire on my record. I just want this hard inquire to be removed from my record, because this situation affects any transaction I need to do later about refinance or credit needed.
Consumer complaint received 2020-03-27
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX/XXXX XXXX {$0.00}
Consumer complaint received 2021-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

To whom it may concern, I'm always very on top of making payments on time..

I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).

GM reported the late payment on my credit report which is severely damaging my credit score.

When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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