davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX an automated payment was made to my credit card company Capital One, for the minimum amount due of {$48.00}. Every month a minimum payment is made to that account. On XX/XX/XXXX I realized there was a problem. My credit card had a balance of {$17.00} and I realized Capital One took money from my bank account to cover the total balance of {$2800.00}. I called Capital One on XX/XX/XXXX and the first representative said it was too late and to file a dispute with my bank. My bank advised that nothing could be done as Capital One already took the money. Then we called again on XX/XX/XXXX, this time a supervisor said the automated system confirms amounts and that nothing could be done. Our concern is that the automated system is not correct. Our history shows our credibility and every month we carefully listen to the automated system. At this point, we need proof of what transpired on the automated call because the money that was taken is money we use for our rent. This has caused a great hardship. There must be a way to check the record of the transaction to see exactly what transpired. No system is perfect and our contention is that an error occurred.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my Credit File in order to report accurate only information ; 1. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX 3. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-07-14
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. (DE)

In accordance with the Fair Credit Reporting act 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  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 2022-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hi, I have new and updated information regarding Portfolio Recovery and Associates.

I nolonger have an Attorney repersenting me. At this point they are willfully vilolating my consumer rights. I spoke with the on the phone ( I notified them that I was recording to call ) and sent my former Attorney emailed XXXX and XXXX doucuments informing them of that.
Consumer complaint received 2022-07-27
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-07-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-13
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. (NC)

Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX. I did not authorize XXXX  to pull my credit nor was there a formal application
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of Identity theft and the inquiries I am disouting are the results of such crime. The letters I sent on XX/XX/XXXX are complete with attachments such as my Driver 's license and SSN. I also attached the ID THEFT REPORT I received from the FTC and yet the Credit Bureaus have done nothing to remove these inquiries. The Credit Bureaus willfully negelceted the FCRA section 605b and continued reporting the disputed inquiries despite the inquiries being in dispute. I haev read enough to understand my rights under the FCRA which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, I am requesting that the Credit Bureuas remnove the following inquiries completely from my Credit Report : XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX 202
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-07-27
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. (MN)

In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX  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 2018-05-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (KY)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX wants to collect on a private student loan that is past the statue of limitation. They informed me that the original loan was {$33000.00} is currently {$49000.00} after 9 years of interest. They originally offered a {$29000.00} pay off in a letter received 2 days prior to a phone call. During the call I informed them that the debt was not on any credit report and was told that was do to it being a private loan and offered a one time payment of {$10000.00} with $ 800 monthly payments for 2 years. After informing the caller that I needed time to look into the claim, the offer was to settle for {$17000.00} if I could get a loan from a bank or credit union or to start a small monthly payment that I could afford with the first payment being made over the phone. I asked for verification of the loans history and told them that I could not make a decision as how to proceed until I had more information.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Each month for the past 2-3 months, this financial institution Citibank, has falsely claimed that checks and other debit purchases don't have enough money in my account to be paid. They have arbitrarily just chosen checks and debits to refuse to pay, and set them back into the unpaid check column of " credits '' back into my account. With the merchant or creditor being unpaid. This being done, even when there is money available in the checking account to pay the creditor. After doing this, they quickly charge me an NSF, so they can obtain more unjustified money from me. When I challenge them on this, and complain to them, they act like they don't know anything about what is going on, an just continue to do this same thing to my account severely for the last 3 months. I need a consumer agency to take a look at this mistreatment and abuse, and have them put a stop to it. It is terror for me if I don't even know if a check or debit that I submit is going to go through my checking account even if I have money there or not.
Consumer complaint received 2022-07-08
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

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

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2019-09-06
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. (NY)

I feel there is inaccurate information on my credit report from experian and other credit companies. XXXX is hitting me with a hard pull on XX/XX/19. I feel this is fraud and not authorized by me. Under the fair credit act I have called them a few times to show me where I went into there bank and signed anything. I have yet to see any accurate proof of anything as I personally did not request my file to be reported for any hard pulls as I know I am very picky when I do backround checks. I am looking for this matter to be fixed and any misunderstandings be resolved.
Consumer complaint received 2024-04-30
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. (CA)

Since XX/XX/year> till now I've filed multiple disputes regarding my student loans being totally discharged and paid in full. There is XXXX MONEY OWED TO XXXX XXXXXXXX XXXX. ALSO XXXX XXXX XXXX is reporting a COLLECTION ACCOUNT in the debt amount of {$10000.00}. This account was opened online fraudulently due to identity theft. I never resided at the address on this account. This address is not on my credit report. PLEASE DELETE THIS FRAUD ACCOUNT FROM MY CREDIT FILE.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-24
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: EQUIFAX, INC. (MS)

I have contacted XXXX, Equifax, and XXXX several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 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 x2 XXXX XXXX XXXX XXXX XXXX XXXX  x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

I did not authorize an increase in my insurance premium filed a claim for {$760.00} ; I have to wait 10 days per bank also there's an unauthorized {$140.00} against my account had to file another claim with an out of country service company in XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (CA)

COMPANY IS REPORTING INCORRECT INFORMATION, SO I DISPUTED THE INFORMATION, I SENT OPT OUT REQUEST AND A COPY OF THE CIVIL LIABILITIES ACT. SO THAT NEGATIVE WAS NOT AUTHORZED TO BE SHOWN ON REPORT
Consumer complaint received 2023-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (IN)

I had some financial problems back in XXXX and had to go through XXXX for mortgage assistance. It took a few months to finally get approved and me and my wife were so grateful that we were getting the help we needed to get current on our mortgage. In the end of XXXX of XXXX I got the great news that the funds will be applied to our account and our mortgage will be current. As of XX/XX/XXXX the funds were supposed to be applied to account and this is the XXXX th of XXXX and the funds are still not applied to our account. Called lost mitigation multiple times and they keep telling me the same thing that the funds were never received. I have proof and assistance program has proof the money was sent out. Loss mitigation keeps telling me they are working on this to resolve it and five months later I'm getting the same response every time. I sent them several emails with reference number for them to look up the payment and also screen shots of the date that this was paid and still they say they have no funds to put towards the account. I'm getting very concerned that I am going to lose my home. I got this help to be able to keep my home for me and my family. This bill keeps getting bigger and bigger and I feel like they are keeping the funds to their selves and trying to blow it off and they want me to go into foreclosure and lose my home. I'm currently working with the assistance program to try to get things resolved.
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (PA)

The car was repossessed by the company they sold the car I did not hear anything from the company. However on my credit report the company reported that I owed the total balance after sales if I owed a remaining balance the gap insurance would have pay off the car. I dont own the company any money I would like for the repossession to be removed from my credit report
Consumer complaint received 2018-11-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed accounts regarding verification of accuracy on my credit report, inwhich they didnt verifiy accounts nor within the 30 day timeframe.
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

We both know that Charge Offs/ Write Offs should not be reported on a credit report this is considered ordinary income and the companies filed these with the IRS and the companies fair to take the proper steps by sending me a 1099c and they should be removed from my report permanently as it is a violation of 15 U.S.C 1681
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Account was closed with out notifying us. We were given a cashiers check from my dads company some had came and used XXXX XXXX dollar money orders. I deposited the money order normally.the money orders turned out to be fake and we were notified by my dads company that there bank rejected it for l being fake. They did file a police report as well becuase the guy who paid with the money orders has their car too. They did file a police report and have copies of the other 2 they were given. We are tired and tired of calling and saying the same thing over We noticed the account was negative and went to the bank to see what happened.nothing was told to us about the Check having an issue .The branch manager told us there was fraud on youre account and thats all I can tell you. Given the run around to different brAnches and being told to call the 800 number because they froze our account. That number then tells us that the bank manager is the one that closed youre account you have to go to them. we have money in there we need this is causing financial hardship the branch manager made us feel like thieves and fake information giving us the run around not telling us what happened or looking into that weve never had that issue with our bank account. We have been talking to the fraud department all they do is keep taking statements does not help in freeze our account we do have funds in there that are now frozen. 
We have a family and this is very hardship. 
This was all un necessary from us bank and the manager in the XXXX XXXX branch was not professional did not explain what happened told us to go to a different branch.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # XXXX XXXX XXXX XXXX XXXX