davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (TN)

The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This account with CAPITAL ONE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Adjustments Inc (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-01-18
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. (TX)

I dispute with XXXX Report # XXXX on XX/XX/2022, to remove the 20 different names from personal information. I only have one name XXXX XXXX XXXX and I don't want any other aliases because that allows the opportunity for fraud. I have requested several times and they deny it based on that that personal information does not impact my credit score. I believe it affects on my stability. I also explained that I have no access to my previous and if anyone sends mail to those addresses I will not receive them. And if anyone says mail to those addresses I will not receive them. 

This situation is giving me tremendous XXXX I'm feeling XXXX over it. I feel that I don't have any control. I can not sleep at night thinking about it. 

I need help contacting this company to remove information that is not true or correct. I send them my license and social to prove who I am. But they doing whatever they want. 
The address I used to write them. 
XXXX XXXX  XXXX : XXXX Assistance XXXX at XXXX XXXX  XXXX, XXXX, TX XXXX
Consumer complaint received 2022-01-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (OR)

I went to XXXX College in XXXX, ID in XX/XX/XXXX. I had two small kids and was desperate to earn an income. I applied to two schools and their programs were full for the fall. I went to XXXX on a whim to ask about dental hygiene and remember how pushy they were to get me in. They told me that they might have " one more spot '' left for the fall. They made it sound extremely exclusive and that this doesn't happen often. I didn't learn really what dental hygiene was just that it paid well and that their program was quick, I could be in an out in less than two years. They gave me a bunch of paperwork to fill out and I really felt like this must be quite an opportunity. I started class four weeks later. There were three too many students which caused nonstop issues the entire program. When I went in for financial counseling the total was {$26000.00}. That was charged for the first two semesters of the program at once. XX/XX/XXXX - XX/XX/XXXX. Everything was done extremely quickly and classes started quickly. 
Quickly I found out how XXXX of a school and program it was. All the general ed classes were easier than 7th grade science classes. The hygiene classes were fine but within weeks I realized how not right for me this was. We were given, verbally, a very short time ( XXXX weeks ) frame for a refund even though both semesters were charged at once. I was already broke and a young mother of two so there didn't seem to be any possibility of going back. I believe they used predatory practices to lure me into joining the program, charging both semesters at once, and giving very little information about what the program actually entailed. I didn't even know that hygienists gave shots until the third semester. They did make us sit through a few lectures on how easily it would be to get all of our schooling paid off by the government by working for low income organizations, but really there wasn't any way out after sign up. Most of my loans were through Sallie Mae and have large variable rates, I've worked to pay them down but every day I still am upset by this ridiculous situation. The rest of my loans and grants were through the federal government making it difficult to have other continuing ed paid for with grants that I actually was interested in.
Consumer complaint received 2016-02-04
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northwest Trustee Services, Inc. (WA)

Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

During the time of XX/XX/XXXX through XX/XX/XXXX, I was XXXX. Prior to being XXXX  some of my belongings were stolen. During that time, there were several transactions made that I did not authorize ranging from money being sent in XXXX XXXX to a scammer, to purchases for XXXX and XXXX. I filed a dispute with my bank on XX/XX/XXXX once I was able to have a phone ( also, my bank is Chime ). The amount of the dispute was {$600.00} ( Claim ID # XXXX ). I was able to submit proof to Chime that I was incarcerated and was not able to even access my phone or debit card to purchase anything ( with my book-in and release report ), and nobody should have been authorized to make these purchases. I was able to receive info from XXXX XXXX about where the transactions originated from and where the funds were being sent to. After submitting this information, my dispute claim was denied. Total cost of money taken was needed for rent, and I don't feel this was investigated properly. I filed my dispute on the XXXX of XXXX, the dispute denial letter says that the dispute was placed on the XXXX of XXXX ; the total time to investigate was XXXX days.
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (CA)

On XX/XX//2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2021 Please be advised Bankruptcy could not be verified due to the court not reporting and or transmit bankruptcy court records or other information to credit agencies. Please see attached document.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kenneth, Eisen & Associates, LTD. (AZ)

A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information.
Consumer complaint received 2022-01-17
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. (CT)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2021-09-24
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. (IL)

The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2022-01-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (TX)

I have a charge off for an auto loan from XXXX. The loan was paid off with title in hand. I however can not purchase a car or mortgage for this matter. I was late toward the end of my loan in which I kept in contact with the Lenders Westlake Financial Services. I didnt know that I incurred this status on my credit report until now 2022. I have not received any calls prior stating such thing. My car was never repoed. Im asking to please remove this from credit. The credit beareau is stating to reach out to Westlake and to only get the same from the other party. Please help
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (LA)

I have an account with Fortiva for an alarm service with XXXX. I have noticed for the last few months that this account is reporting as a credit card and I never received a credit card. I called several times to get this resolved and for some reason I am having the hardest time. I explained that the way their reporting this account is inaccurate. It makes it as if I am exhausting the card that I never received every month. I am getting the run around about fixing my credit report. My credit score is damaged each month as that they report this inaccurate. I spoke with 2 agents on XX/XX/2021 XXXX badge number XXXX ( supervisor ) XXXX agent @ XXXX XX/XX/2021. Also they are reporting wrong balances on my credit report.
Consumer complaint received 2016-02-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (UT)

I had a second mortgage with Ocwen and in 2012 I filed a Chapter XXXX Bankruptcy. During the Bankruptcy they continued to report negative and inaccurate information stating that I was over 150 day past due, which is against the bankruptcy laws.
Consumer complaint received 2022-01-17
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. (TN)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (TX)

I recently opened an a checking and savings account with Comerica bank after not having been a customer for several years. They did not tell me at that time that there was a prior balance from my old account of {$220.00}. They did encourage me to apply for a secured credit card ( CD ) to help build my credit score so the next week, I went back in and applied for it with the required minimum security deposit of {$300.00}. The bank told me it could take 7-10 business days to make a decision. Comerica made its decision in 2-3 days and denied me the credit due to income to debt ratio and said my deposit would be refunded. I waited a few days for the refund but when it did not come, I called the bank. I was told it could take 10 days to refund and they would either refund my XXXX XXXX checking account or send me a paper check in the mail. I waited a few more days and still no deposit or check. I emailed the bank manager and she responded that I had owed the {$220.00} and it had been deducted from that deposit amount and the remainder sent to my Comerica savings account. At no point during this whole time did they ever once tell me I had a past due balance or that they would be deducting that amount from deposit. they also never asked me if I wanted any amount returned to the account from which it had been taken ( XXXX XXXX ) or to my Comerica account. I was completely blindsided by this and it feels very sneaky and unethical to not disclose a previous debt then encourage me to make that security deposit. They have never even explained to me what the debt was for. As far as I knew, I had paid that debt years ago when I closed the account. I believe they tricked me into making that security deposit in order to secure funds for that debt. I had the money to pay the debt but they never asked me about and I had to go to great lengths to even get a straight answer from them about this. If they allowed me to open the account knowing I had an unpaid debt only to secure those funds then this is highly fraudulent and unethical. I was trying to rebuild my credit but now I have another mark against my credit for the hard inquiry for the secured credit card.
Consumer complaint received 2019-05-25
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. (FL)

Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have contacted both LexisNexis, XXXX and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with LexisNexis, and this does not constitute a proper fraud investigation when I have informed both XXXX, XXXX and LexisNexis that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both LexisNexis, XXXX and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.