davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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. (AL)

I have disputed XXXX via Equifax & XXXX, I have requested that XXXX VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-31
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)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX {$970.00} XXXXXXXX XXXX XXXX  XXXX {$390.00}
Consumer complaint received 2018-12-15
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: Experian Information Solutions Inc. (FL)

XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX/XXXX  XXXX XXXX XXXX 2. XXXX XXXX XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.
Consumer complaint received 2021-12-02
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX, GA XXXX ( XXXX ) XXXX PROPERTY MANAGEMENT COMPANY CLAIMS EX-TENANT ( consumer ) LEFT RENTAL UNIT IN DISREPAIR AND IS EXTORTING CONSUMER OWES THE ABOVE AMOUNT OF {$1500.00}. 

CONSUMER IS DISPUTING THE VALIDITY OF THIS CLAIM AND CONSIDERS THIS TO BE EXTORTION.
Consumer complaint received 2018-12-19
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. (GA)

Unauthorized inquiries applied to my credit file. I contacted Transunion 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Transunion liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Transunion continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Transunion which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Transunion to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Transunion ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Transunion has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Transunion. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX  XXXX CARD Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF FIRST PROGRESSS INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2022-03-07
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. (NC)

My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I noticed that there were 2 transactions in my Fifth Third checking account that were not initiated by myself or my husband. Both transactions were completed using the XXXX service which is offered through our 5th 3rd mobile app. 
Transaction # 1 was done on XX/XX/XXXX at XXXX XXXX  {$990.00} was XXXX  to recipient XXXX  XXXX via phone number XXXX Transaction # 2 was done on XX/XX/XXXX at XXXX. {$990.00} was XXXX  to recipient XXXX XXXX via email address XXXX On XX/XX/XXXX I called 5th 3rd Bank to file a dispute for both of these transactions. I was told that the investigation would take 7-10 business days. I spoke to 5th 3rd on Monday, XX/XX/XXXX to follow up on the investigation and I was told that the case was closed as they determined the charges to be correct. Obviously upset with this outcome I requested that the care be re-investigated. I was told that they would reopen the case, investigate but that since it was a XXXX person to person transaction its treated as cash and XXXX will not refund 5th 3rd. Therefor 5th 3rd will not be refunding my account for these fraudulent charges. 
I have tried numerous times to contact XXXX at XXXX. It is literally impossible to speak to a person at XXXX. I completed an email dispute form with them but have heard nothing. Their website says that You may also report the user directly to the FBI Internet Crime Complaint Center at https : //www.ic3.gov/default.aspx. on XX/XX/XXXX I made a comment on XXXX 's XXXX  page and they XXXX messaged me to " offer to help ''. I shared with them via XXXX messenger what has happened. Hoping that finally I've been able to connect with XXXX and may they will help me, I check the message. They did not read the message and blocked me so I am no longer able to communicate with them. 
I have included copies of the XXXX confirmations for each transaction. I have spoken to Fifth Thirds dispute department several times. That phone number is XXXX. The claim number is XXXX. If you need any other information, please dont hesitate to call me at XXXX. Thank you for your help in this matter. Its very much appreciated.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-03-07
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. (NC)

My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Consumer complaint received 2020-12-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (GA)

I XXXX XXXX XXXX XXXX  XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise. 
The company harassing me identifies thereself as " XXXX XXXX XXXX XXXX '' Atempting to collect an debt for NAVIANT INC. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

about nearly 2 weeks capital one advertised online a statement that this particular card is a secured credit card, and that i could apply without a credit check. then i get a rejection statement after applying that i failed the requirements a unsecured credit card. when i applied for a secured credit card! i the company had XXXX  an employee call me then XXXX she said she does not know how to get the statement from the report off my credit report. im given a number to a so-called number of a Department of customer operator to assist, when in fact i was talking to a regular random telephone or customer care agent.she mentioned there's nothing she can do. whatever capital one sends to the credit reporting agency stays on my report... thencapital makes a response on my XXXX  complaint that i did apply for a secured card, but, there was nothing they could do! please look at the response from capitol one on my XXXX XXXX  report, sincerely.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (NC)

I purchased my Family home from my Mother giving her a life estate, in XX/XX/2016 my Mother Died, the bank was notified with death certificate and at that time I presented the bank with my registered deed and my intentions to keep the house as its my primary residence. I ask BB & T what the payoff is, BB & T refused to talk to me. so I withheld payment and told BB & T I wanted to pay off mortgage BB & T still refused to acknowledge the interest I had in the property as a heir and owner. I called almost weekly for a time trying to find out information when foreclosure proceeding started my Attorney ask for payoff he was not able to get a correct answer from the Trustee ( XXXX, XXXX XXXX ) for over a year this continues, BB & T got the foreclosure so I appealed the decision which is where we are at now. Finally the bank recognizes I am owner and heir, ( Attached ) I do not think BB & T followed the Guidelines of the current regulations. 
if the bank had followed the guidelines the house would have never gone into foreclosure thank you for any assistance you can provide. 

Loan number : XXXX XXXX XXXX XXXX XXXX