davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (NC)

I lost my job back on XXXX XXXX and trying to keep a roof over my head I was unable to make my payment for XXXX. it wasn't even a week later they started calling me at least once a week. I can't remember if it was a week or two weeks ago I made an agreement to pay {$5.00} before or on the XXXX XXXX XXXXXXXX. I just got my paycheck an hour ago tried to go online and pay the {$5.00} payment but the minimum they would allow was {$50.00} so I called customer support to try and pay the {$5.00} payment but the minimum they would take was {$10.00} over phone with my debit card they claimed only way to take the {$5.00} payment was through the bank account which the account they have on file is my cash app account and I don't use that except to send my children cash or husband cash and when I applied they wouldn't not accept my XXXX bank account for payment reason or deposit I received the money through check form and signed up to pay manually cause I don't trust the contacting the bank for money method cause it's doesn't not come right out of the account when you do that with several companies like it does with debit cards and it mess up my account when they do that. when I made this payment agreement nothing was told to me about minimum amount online, over the phone. the company asked what I could afford by the XXXX and I agreed to {$5.00} they offered to extend my payment which I refused cause I agreed to a certain amount by a certain date and them extending payment is a way to charge me extra late payments. I'm trying to pay them back but at time I can not afford but the {$5.00} I agreed to pay by today and in my book them not taking my payment of {$5.00} with my debit card is refusing to accept payment and I'm not sure but I have been informed that refusing to accept payment of what I agreed to pay and them asking for more is a breach in contract on their part. I asked to have a supervisor put on the line and instead of pushing me on to a supervisor the customer service keep trying to keep me on the line with her. I hung up went looking for help online to who to contact about this matter.
Consumer complaint received 2022-04-05
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. (TX)

In accodance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX of this year my score with Experian took a nosedive. The amount that they had for my auto loan with XXXX, XXXX XXXX XXXX, XXXX, TX XXXX was incorrect. I called them to tell them, I also called XXXX and they informed me that they had reported the correct information. I pay this account every month on time and the figure decreases. But Experian has held the same amount ( {$8000.00} ) for months... Even though the amount decreases every month. My score was drastically reduced this month with that same amount remaining. Even though the other credit agencies the score goes up. I called them back again and the rep who was rude tells me the company did not report anything. The other agencies report {$7600.00} and my score will just go up XXXX points or more. I guess they're trying to include a closed account. I've told them the account was closed. You're probably aware that some companies sell your info and try to collect on closed accounts. I am trying desperately buy a house for me and my family. My rent went up to the tune of {$150.00} - XXXX a month. I am XXXX XXXX XXXX and I don't know what to do. Please help me.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE TWICE DISPUTED WITH TRANSUNION, XXXX AND XXXX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports. 
UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

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 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: American Credit Acceptance, LLC (CA)

I am repeatedly seeing incorrect information in my credit reports that is either not updated continuously, or incorrect information is constantly being reported. It is not fair to be held to a standard to information in your credit report, but the information being reported continues to be reported inaccurately. For example, there is information that was reported on an auto loan that I just paid off beginning of month of XXXX, that was just reported showing that it " changed accounts '', and was included in the Chapter XXXX bankruptcy. This bankruptcy was discharged many many years ago and has nothing to do with this auto loan, that has now been paid off. Further more, information from this same company reported a late for the month of XX/XX/2020, when I was waiting for them to confirm my new monthly payments, as my previous contract had expired even though I still had a large balance of {$3500.00}. Someone needs to look into this because obviously no one is really managing this, but the information is quick to be uploaded to your account to affect your history. This is unfair and I think I need to get my lawyer involved so that he can review what is going on with these credit bureau companies, and these Creditors that are reporting inaccurate information constantly. This is my first step. My next step is to get my lawyers involved.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capitol One about reversing a membership fee the woman said the only way to do it would be to change to a no fee card I said fine she transferred me I chose my no fee card and told her about reversing the fee she said she couldn't I asked for a manager he said he couldn't I explained to him that I was lied to he said he couldn't do anything I told him I wanted to close the account since this is unprofessional for any company to lie to customers.
Consumer complaint received 2022-04-05
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. (TX)

In accodance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of Wells Fargo for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day Wells Fargo would no longer sue me. They say they are a company called XXXX XXXX XXXX and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that Wells Fargo wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from XXXX XXXX XXXX XXXX. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00}
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I graduated in XXXX of 2015 with a {$32000.00} loan. I 've been paying {$400.00} a month for the last 2 years and my balance is still {$30000.00}. How is it that I payed more than {$9600.00} thus far and my balance only went down a couple of thousand??
Consumer complaint received 2021-07-17
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-28
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. (TX)

n accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-28
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. (NC)

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by Equifax. Equifax is reporting that I have missed XXXX payments, which is giving me a XXXX XXXX payment history. This is completely inaccurate and is only being reported by Equifax and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Account was settled and payment history still shows as negatively report. Was never notified about not making payments from an bill auto payment. Was working on correcting this account however bank recommended to settle. I would like to continue to business with the bank in the future and would like in good faith to correct this mistake.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, XXXX, and Equifax update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
Consumer complaint received 2023-01-28
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: Nelnet, Inc. (NC)

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / NELNET. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.