davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Bank XXXX, N. A Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Bank XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-13
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. (AL)

THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST THE ORIGINAL CREDITOR, XXXX XXXX  AS A PART OF MY IDENTITY THEFT PACKET FILED IN 2019. THIS CHARGE WAS REMOVED THEN SOLD TO A COLLECTION AGENCY WHO HAS PUT THIS ON MY REPORT AGAIN. I FILED A POLICE REPORT BECAUSE I HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T HAVE MY NAME, CORRCT SOCIAL SECURITY OR ADDRESS. I WOULD LIKE FOR THIS COMPANY TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING THIS ACCOUNT. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2019-03-20
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. (MT)

I have been disputing the same account on my credit file with Transunion, XXXX and XXXX. The account was opened in XXXX. It was paid off in XX/XX/XXXXper my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on  my credit report, and they still wont remove it.
Consumer complaint received 2022-05-04
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX, XXXX and Transunion have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

On XXXX XXXX 2021 RENTDEBT AUTOMATED XXXX and collection account was removed from my credit report however, it was added back XXXX XXXXXXXX 2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I do not have a signed contract with Portfolio Recovery. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.
Consumer complaint received 2022-07-05
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. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXXXXXX XXXX XXXX {$1600.00} XXXX  XXXX {$2900.00} XXXX  XXXX {$370.00} XXXXXXXX XXXX XXXX  {$1000.00}
Consumer complaint received 2022-06-12
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Problem 1 : XXXX  XX/XX/2020 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 
I made the payment XX/XX/2020 I have bank statements for accuracy in my dispute. 
The outcome that I am demanding is to update my account with removing the 30 day late payment. 

My payment due date is on the XXXX I was 28 days late not 30 days! 

I been dealing with this for over 3 years I just want this to accurately to report! That is all I been treated so unfairly. This is not my first complaint about this please fix this.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.
Consumer complaint received 2022-05-04
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. (GA)

XXXX, XXXX, TRANSUNION, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, TransUnion, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I am a MA resident. I had a citi prestige card. On XXXX  I was charged another year of annual fee {$490.00}. On XX/XX/XXXX I closed the account. Citi refused to refund pro-rated annual fee, which is against the massachusetts local law about annual fee partial refund policy. 
Part I Title XX Chapter 140 Section 114C " A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One ... .Visa credit card ... .Elder financial exploitation On XX/XX/XXXXI was contacted via email by headhunter looking for procurement officers by a company in XXXX XXXX XXXX XXXX XXXX -US Branch handled by a XXXX XXXX   this was an international gift card credit card scam that wasn't revealed to me until XX/XX/XXXXwhen I became aware that the company was a scam. I immediately connected with the vendors and saved over {$1000.00} of gift cards that were not used. I immediately filed a Sherrifs Department report with XXXX XXXX XXXX   through the XXXX  , Fl Police Department File # XXXX XXXX I was quite upset and XXXX XXXX took my statement. I also filed a IC3 report with the Federal Bureau of Investigation on XX/XX/XXXX. I worked with the fraud department of Capital One every phone call made I was reaching a new agent I never talked to the same agent twice. I was calling 2 or 3 times a week to try to rectify this matter. I felt as if I was getting no where with them. I was responsible for {$3700.00} which were my charges that I myself was responsible for and paid in full. Capital One lost the check. This was resolved by me when I paid on line once again. I never heard one word about the lost check. On XX/XX/XXXX agent XXXX XXXX issued me a case # XXXX he stated that I should fax to him the reports and place this case number on each sheet which which I complied with. I have never received any acknowledgement that these docs where received and I could never again reach this agent. Therefore, On XX/XX/XXXX I spoke with XXXX XXXX XXXX  another call, another explanation, sent me a link in order to place the files online again using the same case number a above. To Date I have heard nothing. I had no acknowledgement but still received notices from the credit card division charging interest on the unpaid balance and of course ruining my credit score. I called Capital One again but to no avail. I felt as if I was on a merry go round. I never heard or received anything from the fraud dept but kept on receiving the statements with interest accruing. These phone calls were getting me no where to date I have called over 100 times to this department. I wrote a letter of XXXX XXXX XXXX XXXX, President of Capital One, overnight return receipt requested, I never received acknowledgement when I know the letter was in fact delivered. I feel that I have exhausted all means of communication with this company my credit has been ruined when in fact I always maintained a high credit score throughout my lifetime. I am XXXX years women living on social security and pension who just wanted to earn additional income but duped by foreign scam artists. Now that I need a small loan to purchase a car I am being declined because of this continued problem.
Consumer complaint received 2022-05-04
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. (PA)

I am writing to delete the following information and charges off my credit report. I ask that these fraudulent charges be removed from my file as soon as possible. I have already contacted the Federal Trade Commissions Identity Theft Affidavit so that these charges can be removed because it is hindering me.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I notified Shellpoint Mortgage that the borrower XXXX XXXX had passed away and that I was a Successor in Interest in the property. Despite being notified the lender, Shellpoint Mortgage sold the property at foreclosure auction. The property was reverted back to the lender on XX/XX/20. This is a violation of the Basic Rights Under California 's Successor in Interest Law as well as CFPB Rules and the Garn-St. Germain Depository Institutions Act of 1982. This is a violation of all the law and according to the title company who informed me that they can not issue title insurance on the property this also provides grounds for a case of Elder Abuse against the lender which is actionable on behalf of the borrower/victim on behalf of her estate.
Consumer complaint received 2022-03-30
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. (CA)

I need assistance in requiring the credit reporting agencies XXXX, XXXX, and Equifax to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Consumer complaint received 2019-03-20
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: Informative Research (CA)

I was notified from some credit monitoring services that there was a hard inquiry from Informative Research on my credit report around XXXX on XX/XX/2019. I do not recognize this company, and have not applied for any loans, new credit cards, rental applications, or any of the common reasons which lead to hard inquiries. 

I believe this hard inquiry was a mistake.
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Navient calls me and my cosigner atleast 8-10 per day. Since I stopped making my payments because they went from around {$360.00} to {$900.00} they have been callin gme non stop- suddenly I am also getting random calls from weird telemarketers. I noticed a correlation to an increase in calls form Navient when ever I answer one of these telemarketer calls right after, like immediately after. Its like Navient knows I answered so they will call. I have asked some of the telemarketers flat out if they are associated with Navient and they stall and say they have never heard of that company- American- english speaking costumer service reps! This morning I got a call from a FL ( where I reside ) - Navient has been calling from PA and suddenly I answered a telemarketer call last night from a FL # and now Navient is calling with a FL area code. I asked the Navient rep if he was in FL- he stated he was not- I asked him if Navient is now spoofing # 's and he said Navient has offices ' all over the world- I asked if they had an office in FL- he said he did not know. 

Aside from this I have communicated to Navient numerous times that I can not afford my monthly payment. They will then send me letters in the email saying they understand and I should call in so they can help me. I call in and they are no help- they do not lower my monthly payment. I provide my income and expenses and nothing! They do not take into consideration that I am also paying on my fed loans- havent had a raise in 3 years and made less $ this year. I shared all this with the agent who began to ask me about my career decisions- why havent I looked for a better job ( I have ), why havent I taken on another job- I would need 3 more to pay them the money they want- because I made mistakes when I was young and come from an XXXX mother that did not know any better. The agent explained even though I was on a low payment plan before it must keep increasing because the goal of the lower payment plans is to work you up to your full high payment- whihc I just canno do. They {$360.00} I was paying monthly was basically money thrown away - has not made a dent with my interest rates. I told them I can not pay what I do not have- they keep repeating they are helping me by giving me a low payment- and I keep telling them its not a lower payment if I can not afford it and it is an increase from the originally lowered payment I was alreay struggling to make. Everytime I get off the phone with them I am in tears. What did I go to college for? They harrass me day in and day out!
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo credit card is reporting current balance as outstanding before the due date. The carryover balance is blended with current balance and shown as one number. There is no way to tell which balance is which and where one balance ends and the other balance begins.

Typical scenario is balance is paid in full. Days later transactions from previous month are added to a carryover balance no interest is charged and dates indicate their posting before the balance is paid in full on due date. Then the carryover balance is recorded as outstanding balance until the next billing date. All transactions between the next due date and last due date appear recorded as outstanding when in fact it's a blend of outstanding and current balances. Shown as one outstanding balance.