davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (SC)

Reference original CFPB Complaint ID XXXX. 
Citibank did respond, but did not follow through. They said for me to provide documentation in order to me to get reimbursed for the bounced check fees from my other bank - that Citibank caused - but I have not heard from them. It's been over 3 weeks. Their email says that they will review it with 'the highest priority '.
Consumer complaint received 2020-04-30
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. (TX)

XXXX XXXX currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I woke up this morning and there is a negative information on my credit report and I dont do business with this company or had a credit line with them .... they are called tally tech and it in the amount of XXXX dollars and I contacted tally and they are not available and I left a voicemail and Im opening up a fraud dispute with them at the moment .... and I also have a loan in the amount of XXXX from neighboorhood credit union that doesnt belong to me and I put that in dispute and havent heard back from Experian or XXXX  someone fix my credit report so I can live a better life Im a victim of fraud
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020, I settled/paid off two closed XXXX XXXX accounts on my account. XXXX XXXX even mailed me confirmation letters advising each account has been paid off. My credit report with XXXX, XXXX, and Transunion has yet to be updated showing {$0.00} balances on my two closed accounts with XXXX XXXX. I've disputed the listed balances on my account multiple times and it has yet to be corrected.
Consumer complaint received 2018-06-20
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. (TX)

This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.
Consumer complaint received 2020-05-11
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. (WA)

I made a purchase online with XXXX on XX/XX/2020. 

I reviewed my free credit report with Equifax on XX/XX/2020 and noticed a credit inquiry on the same date of purchase stating most recent inquiry : XXXX/XXXXXX/XX/2020 I purchased one item and paid with a debit card. I never asked for or applied for a credit card nor did I give the site my social security number.
Consumer complaint received 2020-04-24
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2020 I transferred all the funds from my account out of the account and asked the bank to close my account. I discovered 2 months later the account was not closed and had accrued fees on the account so that I had a negative balance. I called on XX/XX/2020 and asked for the account to be closed and the fees to be refunded. I was told that would be taken care of. I saw my account has the fees refunded and assumed it was taken care of. 

Two months later I have since discovered for a 3rd time the account was not closed and the account has still racked up fees. I am unable to call them as their wait time is in excess of 30min and there does not appear to be an easy way to email the bank. 

The bank is continuing to charge me fees.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

While checking my credit report I noticed accounts and inquiries that were on my account that I did not authorize. I filed a report with XXXX and submitted information to all three bureaus discussing what is wrong on my report and what I needed taken off. It is unlawful to punish people for acts that they did not commit. I would like for these items to be removed from my account. 

Collections : XXXX - Balance {$3900.00}, Account # XXXX XXXX XXXX - Balance {$950.00} Account # XXXX Inquiry : XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date XX/XX/2023 XXXX. Inquiry Date XX/XX/2023 XXXX XXXX XXXX. Inquiry Date XX/XX/2023
Consumer complaint received 2021-02-28
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. (GA)

I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the Consumer Credit Agency, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.
Consumer complaint received 2020-04-30
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 (NJ)

I filed my initial complaint with Capital One first week of XX/XX/XXXX disputing a charge made to my credit card on XX/XX/XXXX for {$320.00}. 

Capital Once did not reply to my complaint until XX/XX/XXXX, by letter ( attaching letter here ), requesting additional information by XX/XX/XXXX about my claim. They said I could provide my docs via fax # or mail. 

On XX/XX/XXXX I faxed the information they requested in their XXXX letter and the documentation supporting my claim to the fax # Capital One provided and got auto confirmation that the fax was received. ( attaching documentation here ) When I did not hear back from Capital One, I followed up again on XX/XX/XXXX by phone, and spoke with a representative who apologized for the lack of responsiveness and said that due to COVID and their new work from home arrangements that they have been slow to respond and could have misplaced my XX/XX/XXXX fax. 
. 
The rep did not mention on this XX/XX/XXXX call that I missed my XX/XX/XXXX deadline or that it was too late to provide documents. But instead told me to instead resend my documentation electronically to a link they provided. 

On XX/XX/XXXX I uploaded the claim documentation electronically to the link the representative provided. 

The following day on XX/XX/XXXX I followed up again to ensure they got the electronic files, and the representative on the phone said that my dispute was closed and resolved not in my favor. And said that they released the {$320.00} payment to the merchant. So even though the charge was frozen from XX/XX/XXXX to XX/XX/XXXX, I have now been charged without any proper research. 

When I spoke with the rep on XX/XX/XXXX, they did not tell me that the {$320.00} was going to be released or that I missed the XX/XX/XXXX deadline. Nor did they review any of my documentation which clearly shows all correspondence with the merchant and why the {$320.00} was not a valid charge. 

They closed the claim without any research or due diligence and did not communicate with me at all during the process, without my initiation.
Consumer complaint received 2020-11-13
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)

XXXX, XXXX  and Experian have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (VA)

I have used my Bluebird account for over 5 years with no problems. I have money in my account but was sent an email saying my account was suspended with no explanation as to why. My paycheck and my tax return is scheduled to deposit into this account that I can not access. I can't access any of my wages. American Express has told me I can only get a reason and request a refund by mail. I can not support my family without my wages.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have never been evicted out of any place I have lived. I have an eviction on my Chexsystems report. Also it has two public records and I only have 1 bankruptcy.
Consumer complaint received 2018-02-24
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MN)

I was told conflicting information about being on the income driven repayment plan. When I first started this plan several years ago, I asked if I could still make payments towards my loans even though I had a XXXX dollar per month payment on the income driven repayment plan. I was told I could not make payments towards my loans and that it would affect my status in the income driven repayment plan if I did. Therefore I did not make any extra payments towards my loans, even though I had some ability to do so during this time. Now I owe more on those loans because of interest accrued. I called the lady and last month to ask the same question, can I make payments on my income driven repayment plan Loans even though I have a XXXX dollar per month payment. I was now told that I can make payments on my loans with no consequence to my income driven repayment plan. I wouldve been doing this for years had I known it was a possibility, Which would impact the life and accrued interest of my loans.
Consumer complaint received 2020-04-21
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. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2022-09-12
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX, IL XX/XX/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 XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts have not been verified or validated. These accounts have been removed from my XXXX  and XXXX  reports ; therefore, they should be removed from Transunion. I recently sent an investigation request on XX/XX/XXXX and its over 30 days and I haven't received anything ; therefore, these accounts need to be deleted XXXX XXXX XXXX-acct # XXXX- ACCT # XXXX XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX-ACCT # XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX Also the following inquiries were not authorized by me and per the law if they were not used for employment, account, insurance, they don't belong. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX- XX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (PA)

I was called by someone from Receivables Performance about a XXXX bill in collection. I told the person that it was the result of identity theft in the fall of 2020, and that police reports and FTC complaints had been filed. They then placed it with XXXX. I disputed it with XXXX, and they removed it. 

Today I received another call from Receivables Performance saying that he didn't think it was identity theft, and that I'd have to prove it. I asked him what else I could do to prove it, and he told me he did not know. 

I tried to contact XXXX  but there are no links or phone numbers to report fraud.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
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. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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 (WI)

My family and I booked a trip to XXXX in XX/XX/XXXX to fly out in XX/XX/XXXX through Capital One Travel and my Capital One travel rewards credit card. The cost of the trip was a little over {$3200.00} When COVID hit in XX/XX/XXXX I started calling the Travel Center ( the number above ) to cancel our travel plans and I couldnt get through to anyone that would actually help me, most of the time I was put on hold and forgotten about or even hung up on. I had almost given up hope that we would be able to even talk to anyone about our booking and would not only lose out on our trip but also the money we put into it. As it was, I paid off the trip/the balance on the credit card and closed out my travel rewards credit card and my Capital One savings to end any ties I had with them other than the XXXX trip. Finally in a last ditch effort, 2 days before our flight I was able to talk to someone at the travel center who didnt hang up on me but they would not let me cancel the flight and instead made me reschedule my travel for within the year, despite knowing that COVID was not going to be gone in that time. Travel was rescheduled for XX/XX/XXXX and by XX/XX/XXXX I was calling Capital One for a cancellation and refund because there was no way we could enter the XXXX in XXXX, we werent even all allowed to be vaccinated yet at the time. My request to cancel was processed with the airline and after having to call and check for an update 3-4 more times between XXXX and XXXX I was finally reassured in XXXX, a week before the flight that my family and I would be receiving a refund for what was charged to my credit card ( {$3200.00} which I paid off in cash in XX/XX/XXXX ) and that everything was canceled and XXXX XXXX had finally returned the money to Capital One. By the end of XXXX I still had not seen a refund but one of the CSRs said to give it 2 billing cycles so I waited until XXXX to call back. I started calling in XXXX and I have been getting the same answer for over a month now with no refund issued. Everyone I speak to says theyre not sure what happened in XXXX and dont know why I wasnt refunded but that the accounting dept has to issue the refund and they cant be reached by phone and they cant do anything more than ask accounting to complete my refund. I have spent hours on the phone begging and demanding a solution, even breaking down and crying when the CSRs claim to understand my frustration but continue to have no solutions. The charge on my credit card is entirely disputable now in my opinion because Capital One was supposed to be providing a service which I did not receive. And because I paid them in full and closed my account they have no option for me to dispute the charge on my online account. I believe they fully intend to keep my refund and simply hope that I go away.