davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 I paid a large amount on my credit card to bring down the balance. I first paid XXXX on XX/XX/XXXX, Then I paid XXXX on the XXXX, XXXX on the XXXX and XXXX on the XXXX. A few days later I added a few of my friends as authorized users to help them build credit. The next day all four of my cards with Capital one was restricted for use. I contacted them and they wanted to verify that I added the users to the card. I explained that I did and sent in Documents IDs and social security cards and every time I send in something they give me an excuse why they can't be unrestricted. I don't even understand how the other three cards are restricted and no one was even added to those. I asked why allow me to add these people to my account and lock me out from it after. They expect me to keep paying on cards I can't use charging me late fees and reporting bad on my credit for four months now. this is crazy.
Consumer complaint received 2022-04-14
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. (TX)

I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. Experian responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.
Consumer complaint received 2023-09-16
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. (IL)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$160.00} ( Original XXXX : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.
Consumer complaint received 2022-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been working with the Maryland XXXX program to hopefully provide me with some assistance. I am in the final stages and have been told by the Maryland XXXX program directly that they have made a request for information relating directly to my loan in order to continue the underwriting process. They made a request on XX/XX/XXXX at XXXX and I was told on XX/XX/XXXX at XXXX that the Maryland XXXX XXXX has been in direct contact with our lender Truist via XXXX ( XXXX XXXX XXXX ) and that they have been unresponsive. At this point it has been almost 30 days. I contacted my lender the day the request was made and was told that it takes the Research Dept two business days to respond back to XXXX. Then I was told that they are backed up and it could take a little longer due to the amount of applications. It has now been almost 30 days and my most recent response was that they dont even have the request anymore. Im being told by the MD XXXX program that if my lender takes too long to respond it could delay or result in my application not being able to complete the underwriting stages. As the consumer Im stuck in the middle and it is extremely unfair and disheartening in already extremely stressful times for myself and my family. PLEASE HELP, I AM DESPERATE AT THIS POINT. 

Sincerely Signed, A man simply trying everything to keep a roof over his familys head.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 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 602 A Section 2 : it also states consumer reporting agencies can not furnish an account without my written instructions.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax has not updated my credit account, credit report, and credit score. I filed a dispute on XX/XX/2021 then another XX/XX/2021 and I have not received and updates in my credit report, credit score and credit account. My credit report has not been updated since XX/XX/2021 with Equifax. A "? '' is reflecting on my credit report in place of my credit score.
Consumer complaint received 2023-12-01
Product: Credit 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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$500.00}. Services were never rendered. 

On the date of XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$1500.00}. Services were never rendered. 

I have tried to have the amount reversed by XXXX legal group multiple times but they refuse to do so. 

I disputed the charge with citi bank and the refuse to reverse the charges.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureau-XXXX XXXX bureau-XXXX Equifax bureau-XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Consumer complaint received 2019-11-19
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. (MI)

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on Experian, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for XXXX $
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - 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 2022-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX
Consumer complaint received 2022-08-26
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: ENCORE CAPITAL GROUP INC. (TN)

Midland credit management XXXX XX/XX/XXXX opened an account in my name in the amount of XXXX. Also reporting, XXXX XXXX  XXXX XXXX XXXX also opened an account in my name in the amount of XXXX, on XX/XX/XXXX. These accounts are not mine and needs to be removed ASAP.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
Equifax, XXXX XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureauXXXX XXXX bureauXXXX XXXXXXXX bureau-XXXX  TransUnion As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Name Account COLLECTION. 
XXXX XXXX XXXX. 
Account Opened. 
XX/XX/2023. 
{$3900.00}.
Consumer complaint received 2022-08-26
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)

Hello, I recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX ; XX/XX/2022 ) has led me to believe may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest onvenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission. Please see attached Federal Trade Commissions Identity Theft Affidavit in regard to this incident. I have also attached a PDF reflecting all inaccurate items. Please review the enclosed documents, investigate these matters and remove the disputed items ASAP. Also, please do not add any type of fraud alerts on my credit profile.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

I have been dealing with that issue for about four years now. Someone opened an XXXX XXXX XXXX account on my name with different name and different address and they didnt pay they bills. When that first came up I disputed with XXXX and I won I also got a police report and submitted all my XXXX XXXX XXXX bills, I even talked to XXXX XXXX XXXX they told I didnt owe them any money. That happened again 2 more times with different debt collections company now I am dealing with it again. I was wonder if you guys can stop these people for messing up with my credit.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (NC)

In XXXX of XXXX an unknown person attempted to open two accounts with XXXXXXXX XXXX  XXXX under my name with my former work address, delaying their delivery to me. XXXX XXXX XXXX flagged the accounts as identity theft and immediately shut the account. The accounts were never active. 

In XXXX of XXXX I received a collection letter from Associated Credit Services , Inc. stating I had an amount owed on one of the accounts that was never active. I contacted XXXX ( formerly XXXX XXXX XXXX ) regarding notice. They informed me that the notices was bogus, and that I did not have any outstanding debt and that these accounts have remained closed. They suggested I ignore the notice and not contact the company as it was probably not a legitimate company. 

Attached are the correspondence from XXXX XXXX XXXX and Associated Credit Services , Inc .
Consumer complaint received 2021-06-12
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Consumer complaint received 2022-08-26
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. (NY)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX A ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-08-26
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. (TX)

Transunion is reporting inaccurate information and I demanded them to remove ALL accounts. I never gave consent for them to report the wrong personal information that's attached to accounts that does not belong to me. These accounts was in data breach. Opened without my knowledge and consent.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account number : XXXX
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Texas Guaranteed (TX)

I had a Stafford subsidized loan that went into default. My servicer was Texas Guaranteed. They began garnishing my wages, and on top of the 3.5 % fixed interest of my loan, Texas Guaranteed saw fit to charge an additional 12.5 % each month as a " service fee, '' even though my HR department did all of the labor to complete the transaction and Texas Guaranteed just passively took my money. I tried multiple times to transfer my debt to another organization, but Texas Guaranteed refused to relase it. The debt is now paid in full, but the account still shows delinquent on my credit report. If this is n't a crime, it should be. Somehow, my generation and income bracket ended up being the first people in history who actually had no way of getting out of debt without being subjected to the abuse of a private debt collector. Even bankruptcy would n't have saved me. I was n't even an adult when I ( actually, the signature on the MPN was forged by my mother ) signed up for this loan. I was unfairly pushed into the idea of signing up for the loan by an education system that misrepresented the return on investment that it would provide, and the loan was approved without consideration for my ability to repay because it was guaranteed that I would be compelled by the U.S. federal government, without recourse.