davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX, Transunion ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-07-07
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: CLGF Holdco 1, LLC (TX)

I have sent 2 letters on XX/XX/XXXX and XX/XX/XXXX to Genesis FS Card Service regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO 30 day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. Genesis card services sends a letter saying they can't show favoritism and remove the 30 day late pay? Is Genesis Card Service aware that they are violating laws? 
Thank You, XXXX XXXX
Consumer complaint received 2022-04-08
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. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (NY)

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 an account without my written instructions.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 an account without my written instructions.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I contacted Experian credit bureau in writing. In my letter, I requested for Experian to release to me the furnisher who has reported a judgment against me. Prior to contacting Experian, I had contacted the court house listed on my Experian credit report and they could not find or verify anything under my name. I just want Experian to tell me where they are getting this information from so I know what my next step will be to getting this false item removed from my Experian credit report.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NM)

At the end of XXXX, XXXX, I received three notices about attempts to open accounts at XXXX XXXX in my name. I spoke with XXXX XXXX, and the put out a fraud alert concerning this topic. Today, XX/XX/XXXX, I received a debit card from Chime that was set up in my name. I contacted the company, and they have claimed to have closed the account. I was unable to speak to anyone at the company, however, so I am unsure. I have been working on changing all of my passwords, have credit freezes on, and monitoring my credit. Someone is actively trying to open accounts, and I feel this need additional attention lest they succeed.
Consumer complaint received 2022-03-14
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)

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Requested Experian to remove my credit freeze and to date they have not. Created an account on their website and it shows that their is no credit freeze. Applied for a credit card but was denied because they could not access my credit file on Experian.
Consumer complaint received 2022-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I filed a dispute demanding to verify or remove the accounts immediately from my report. I did not get a response or was notified of any investigation results or procedures that were taken place. After 30 days past, On XX/XX/XXXX 2 accounts from the department of XXXX were removed from my credit report as well as 4 Accounts from the US Dept Of Education was also removed from credit report. XX/XX/XXXX XXXX reported and added back 3 accounts of the US department of education to my credit report.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

AmShaer is a debt collection company. The XXXX XXXXI received AmSher 's letter that I had the debt, but it doesn't provided the name of the company. After contacting by letter, I received AmSher 's second letter yesterday, informing that the creditor company is XXXX XXXX XXXX. 
I dont know above both companies, and I feel that my information may be leaked, so I complain them.
Consumer complaint received 2022-03-14
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. (MD)

Hello, my name is XXXX XXXX, and 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.
Consumer complaint received 2022-04-08
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. (TX)

This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filled out the form on XXXX to get my credit report from TransUnion, as I have done in years past. Upon redirecting to the TransUnion site, I was not asked any identity questions. Instead, the site took my directly to an error page ( XXXX XXXX XXXX XXXX ) that said : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 

Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' Seems like something is broken with TransUnion 's interface to XXXX. This makes it more difficult for people to obtain their free credit report.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Business and Consumer Solutions. (NH)

I receive phone calls from a collection agency regarding a bill I paid off. It was an overdraft loan and through The XXXXXXXX XXXX here in XXXX, NH XXXX. This bill was paid in full by me physically going to the bank and making payment to them. My husband passed away XX/XX/2021 and I paid them off on XXXX XXXX. I do not owe the XXXX any money & I no longer do business with them. 
I just got a call from their collection agency last Friday XXXX XXXX. Their listed as FBCS Consumer Contact Solutions - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, PA XXXX - toll free # XXXX. 
I want this corrected ASAP on my credit report etc. as I am trying to refinance our home. I need a lower mortgage payment since my husband 's passing last XXXX with XXXX. My income has been significantly decreased due to his passing. Thank you so much for any help you may provide.
Consumer complaint received 2022-01-22
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)

THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is my formal complaint to KOHLS/CAPONE for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2022-01-22
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. (CA)

THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capitalone.com is refusing to send me statements showing my charges and credits for my XXXX card ending in XXXX. They also refused to verbally provide the information over the phone. Capitalone.com says that I can't get any information from them without providing them a copy of my driver 's license front and back. I refuse to provide the driver 's license due to fraud. I'm not asking for credit, but to pay my balance due in full.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Collectors, Inc. (WI)

On XX/XX/2022, I contacted Associated Collectors , Inc . and requested validation for my debt along with how the interests were accrued. On XX/XX/2022, Associated Collectors just sent a bill from XXXX XXXX XXXX. XXXX XXXX XXXX bill showed XXXX. Associated Collectors , Inc is reporting to Credit Bureaus I owe XXXX. I did not have a contract with XXXX XXXX XXXX that came with interest.
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I got a call from someone claiming to be a Wells Fargo representative, claiming there was an attempt to wire {$3500.00} from my checking account to another bank, and I needed to take steps on my wells fargo account to " return '' the money. The call came from a wells fargo number and the person sounded very professional, etc. They had me log on to my online account and had me take several steps while they were on the phone such that somehow my account sent money to another bank via XXXX in the amount of {$3500.00}. I opened a fraud claim with Wells Fargo and they did an investigation. Although they admitted it was fraud, they would not reimburse me for my loss. This appears to be in violation of CFPB regulations.
Consumer complaint received 2022-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, It is XX/XX/2022 and I am in possession of the investigation results from Transunion regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, I will like to inform you that, the letter which states that your agency has verified the account as accurate is unresponsive to my demand. 
Once again, I am demanding the following documents to VALIDATE this account. A signed lease agreement baring real my signature, and the tenant receipt of key ( s ) form also baring my signature and stating that, I XXXX XXXX acknowledge receipt of keys for this landlord 's premises located on XXXX XXXX XXXX XXXX XXXX, TX XXXX on the alleged move-in date. 
This is not a request for " verification '' but a request for VALIDATION. I am requesting your offices to provide me with competent evidence that I have any legal obligation to pay them. 

Please be advised, this is a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g. 

If your offices are able to provide the proper documentation as requested in the above description, I will require at last 30 days to reinvestigate this information, during which time all collection activity must cease and desist. Also during validation period, if any action is taken which could be detrimental to my credit report, I will consult my legal counsel for suit. This includes any listing of and information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion, 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 2022-01-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My student loans were transferred from Sallie Mae to Navient ( without my consent to start ). I went to XXXX University in XXXX and returned in XXXX but could not finish as I had capped out on my loans. At no time, when I was XXXX, was I advised the school maybe too expensive for my family. At the time, my mom made a salary of XXXX and was the sole provider. 

My debt has been in forebearance several times, as I am a single mom to a son with XXXX and also a sole provider. I have asked Navient numerous times how I can repay without nearly 80 percent of the payment allocated to interest. They said there were no options and that the income repayment plan was the only option. I have deferred twice during all of these years and make $ XXXX with a debt that has risen to $ XXXX for a bachelors I still do not have and in a subject that has nothing to do with my job. I majored in XXXX studies, acquired 88 credits, and I work in accounts receivables. That has been my profession for nearly 25 years. 

In reading the current settlement, I believe they have deceived me as they offered me no feasible option to pay down my loan. I cant even rent an apartment as my income to debt ration is so high. I am living in an unhealthy situation with my son who needs peace and we need to move. All I want is fairness. The interest they have charged me is nearing XXXX! on a XXXX loan. That is outrageous. No other card or line of credit takes a monthly payment and applies it all to interest first at 80 percent then 20 to the actual debt amount. 

Please help!
Consumer complaint received 2018-04-02
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: EQUIFAX, INC. (FL)

I began disputing these items with XXXX XXXX, XXXX and Equifax beginning on XX/XX/XXXX I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.