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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

RE : Capital One breached our contract by refusing to replace my Capital one credit card, which was compromised as a result of fraud.

In XX/XX/XXXX I was rushed to the Hospital due to a life threatening illness. My XXXX XXXX XXXX and I was XXXX   XXXX. I was in the hospital for nearly 3 weeks, released but had to be rushed back less than 2 days later.

While I was in the Hospital, it seems my Capital One credit card was stolen and used between XX/XX/XXXX and XX/XX/XXXX. I was in NO CONDITION to be aware of this. My focus was to stay alive and a majority of the time I was no XXXX, due to all the XXXX.

My Capital One card clearly showed unusual activity compared to my typical useage. Capital Ones security which they advertise as the best in the business. Did not recognize all the unusual activity. But any person looking at the activity from XX/XX/XXXX -XX/XX/XXXX can clearly notice the spending pattern and payment pattern changes.

OnXX/XX/XXXX, as a direct result of the fraudulent activity Capital One closed my account permanently. All they state is a letter the was sent to me. If that letter was sent there it is very likely I did not receive it since I was in the Hospital and then in XXXX  for 6 weeks which ran throughXX/XX/XXXX.

In your correspondence, you also mentioned that you requested a replacement card. Our records show that your account was closed on XX/XX/XXXX, and we sent you a letter notifying you of the account closure. Additionally, we do not have any record of returned mail. Because your account is already closed, a replacement card will not be issued. Ive confirmed that this closure is permanent.

The above correspondence proves Capital One closed my account due to fraudulent activity and this directly contradicts our contract. I requested a replacement card per our contract and Capital One deliberately broke our contract by denying my request.There is nothing in our contract which state Capital One can or will permanently close my account due to fraudulent activity which I am not responsible for. Capital One admits the fraudulent activity which prompted the closure of my account was NOT my fault.

As a result I have no obligation to pay any balance remaining on the card which I believe to be around {$400.00} Please note, your account was closed because the returned payment activity on the account was not consistent with our expectations for account usage and not in line with the terms of the Capital One Customer Agreement. Our records indicate the following payments had been returned XX/XX/XXXX {$480.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$190.00} In Capital Ones response Dated XX/XX/XXXX, they admit The fraudulent payments on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXXare the reasons for permanently closing my account.

They also refer to other payments on XX/XX/XXXX, which if I am correct was also flagged as fraud in a previous complaint.
Consumer complaint received 2018-10-15
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. (NJ)

Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX  XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX Hospital as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.
Consumer complaint received 2018-04-15
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. (GA)

XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 All inquiries, I never gave permission to run my credit.
Consumer complaint received 2022-05-03
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. (NC)

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Consumer complaint received 2020-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (IL)

I called to get an refinance loan. They said no canceling my application. I asked why. I borrowed XXXX and they said I have to pay XXXX in order to get a refinance. 
So I asked could my payment be waived until my next pay date again no. 

Even though more than half of the borrowed amount has been paid.
Consumer complaint received 2018-10-15
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. (NY)

I disputed a collection account thats reporting on my credit report. The agency said they have deleted the account but XXXX  and TransUnion refuses to remove the collection account off my credit report. That is a violation and needs to be investigated. I have proof that the agency deleted the account. XXXX   removed the account but TransUnion says they wont remove it but it is a valid account. XXXX  said the same thing even though the agency deleted it so it shouldnt be reporting.
Consumer complaint received 2018-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC (FL)

On XX/XX/XXXX, I reached out to pay a debt owed ACCELERATED FINANCIA XXXX. After numerous of phone calls I got a supervisor by the name of XXXX XXXX his direct phone line is XXXX. I was able to come to a agreement of XXXX $ for the debt. I requested that he remove off all three credit bureaus. He stated to me as soon as I receive my paid in full letters to do a dispute for removal and their company will remove trade line off my credit. I received notification on XX/XX/XXXX that they updated debt as paid and didn't remove it from my credit. I called accelerated that same day and the reps response was the can no longer assist me because my file is closed. These people blatantly lied to me. I want these trade lines to be removed/deleted from my credit immediately. I did what they requested of me and paid my debt and they did up hold their part of the agreement. They also by law had 5 days to contact me after the debt was put on my credit in early XX/XX/XXXX. I didn't stat to receive phone from them until mid XX/XX/XXXX. This company is breaking laws and deals and I want stand for it.
Consumer complaint received 2018-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (GA)

My son, had a loan with XXXX XXXX XXXX XXXX, I am a co-signer. I was making payments on this account. My son, filed bankruptcy, and this company was made aware of the process, however, they did not show up and no one was there to represent this company during the process. I continue, to make payments. They added more money onto the account after the bankruptcy, I filed a complaint informing them that they were overcharging, why is there more fees, being added to this account for the car, the representative, reviewed the account and agreed, that there are extra fees, and stated that she needed to send the account for review. There are fees that should have been written off because of the bankruptcy, was added instead of being subtracted. In XXXX of 2018, we received an letter stating that there was a balance of XXXX still owed, on the car after the review. 
I contacted XXXX, and the representative, confirmed in order to closed the account, I needed to pay XXXX dollars. I paid the amount and was informed that the account was paid in full, and someone will contact me as to where the title should be mailed. After three weeks, I didn't hear from anyone I contacted them inquiring as to the process of receiving the title for the car. 
I was informed that I should allow another week. In XXXX, they reported on the credit report that this account was closed, then I received an late on the credit from this same company, I immediately, contacted this company in XXXX, 2018, I was informed that there was a balance left on the account. 
I explained that I called and also received a letter stating what was needed to pay this account off, I called and paid that amount. They also, reported on the credit this month another late, and the account is still showing closed on the credit. 
I still have not received the title. Every time I call, I am now getting the run around with this company. but the are placing a negative impact on my credit and my son 's credit. Yet, the car loan is still reported as closed.
Consumer complaint received 2018-04-15
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Performant Financial Corporation (WA)

Please see complaint XXXX for background. 

The credit company listed in previous complaint would not answer my attempts to resolve debt. XXXX XXXX XXXX passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and XXXX XXXX documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. 

They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. 

Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.
Consumer complaint received 2023-04-07
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. (MI)

In accordance with the fair credit reporting act the companies and accounts have violated my rights state of Michigan child support XXXX, state of Michigan child support XXXX, state of Michigan child support XXXX, state of Michigan child support XXXX. 42 usc section 666 and 15 usc 1681section 602a. States I have the rights to privacy also 15 usc 1681 604a.section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-03
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. (NC)

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT : XXXX XXXX XXXX # XXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

After the Equifax data breach, I did what Equifax recommended I do : I put a freeze on all of my accounts with them, XXXX XXXX and Experian. 

Apparently, as part of the settlement with Equipfax they were ordered to offer free credit monitoring services to consumers for 3 years or a {$120.00} stipend to anyone to start these services for a 3 year period at their cost. Information was emailed out to consumers telling them pick one or the other.. I completed Equifax 's submission for the {$120.00} stipend and sent it back to Equifax, As far as I can tell, this settlement was a ploy to get consumers to subscribe to credit monitoring services and an admission that Equifax can't guarantee protection of my data that I didn't give to them in the first place and didn't give them permission to have and accumulate.. 

With my accounts frozen, I don't need credit monitoring services. Now Equifax is arguing that I didn't meet any criteria for receiving this {$120.00} stipend after following their initial advice to simply freeze my credit. 

Are they now saying then even with a freeze on my credit file that they can not protect my data.? It coast me a fair amount of time and personal record management to manage pin numbers and website to place these freezes on my accounts and moving forward every time I need to open it, I need to spend time to manage that process. 

SO in the end unless I agree to get credit monitoring services from the same company that couldn't protect my data in the first the idea of " damages to me the consumer '' does not apply.. 

I believe I am entitled to take that {$120.00} and use it as I see fit.
Consumer complaint received 2018-10-15
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 (NV)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2022-05-03
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. (CA)

Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. XXXX payment was paid on XX/XX/XXXX for XXXX payment, XXXX check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that XXXX XXXXXXXX XXXX  company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to XXXX XXXX  company dated XX/XX/XXXX and was deposited by XXXX on XX/XX/XXXX. ( all XXXX payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to XXXX to clear false report to credit bureau but nothing was done causing us more stress. How can I be late XXXX days when all payments were made on time and according to our contract with XXXX when XXXX purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. XXXX has provided false information to credit bureau causing damage to our credit score.
Consumer complaint received 2019-09-09
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. (FL)

Experian credit reporting bureau is reporting fraudulent information on my credit report to me.until I pay for my updates, my dispute of XX/XX/2019 was never shown to me online which is experian is the free account given by experian in XXXX since the dispute I have not gotten any updates to my accounts, and lots of emails to update my accounts which I would have to pay, but no answer to my disputes of XX/XX/2019.which experian got 13 1099-c forms and one 1096 form showing payment of accounts by certified mail # XXXX.Experian remains to report those 13 accounts as charge-off when their paid accounts reporting 3 with balances with total amount of $ XXXX.without validation of those debts, because their paid debt.