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: 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. (MD)

This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION
Consumer complaint received 2020-07-16
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. (MD)

This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I spoke to Capital One to attempt to make arrangements for lower payments during financial hardship, they have options but they stated they will still be reporting as delinquent regardless of what was done on that call unless I paid the entire past due balance in a lump sum
Consumer complaint received 2017-03-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened an account with Citibank promising a {$400.00} bonus for depositing {$15000.00} for one month. After {$15000.00} being in my account for three months, not only have I not received the bonus, but I have written five letters to Citibank without receiving the bonus. I also have not received a confirmation that I will receive the bonus. I need to use that {$15000.00} elsewhere. 
At this point, I believe i should receive three {$400.00} payments for the bank holding my {$15000.00} for three months and purposely delaying payment through stalling techniques. Please ask them to pay me now.
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: Experian Information Solutions Inc. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-30
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-12
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. (PA)

Experian is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b
Consumer complaint received 2020-05-01
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. (OH)

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2021-03-01
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. (TX)

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX XXXX and Transunion ).
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-04-30
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. (CA)

Upon reviewing my credit report, which I acquired from Experian, XXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Consumer complaint received 2022-09-11
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. (GA)

This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.
Consumer complaint received 2024-02-16
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WA)

Chase Credit card company charged me {$13.00} interest after my account was paid off in XX/XX/XXXX. 
I made two payments in XXXX before the statement closing date. 
1. {$300.00} on XX/XX/XXXX and 2. {$500.00} on XX/XX/XXXX. This paid the account statement balance in full. The next statement was sent on XX/XX/XXXX with interest of {$13.00} oweing at 22 %. 
This is not correct and needs to be removed from my card. I do not owe this. Account ending in XXXX XXXX XXXX
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine and Weber reports on my credit report that I owe XXXX dollars whicjywas paid to XXXX XXXX. I have current insurance with XXXX and also a XXXX dollar XXXX policy. If I did owe that I wouldnt have insurance with them common sense.
Consumer complaint received 2020-06-30
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: JPMORGAN CHASE & CO. (TX)

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through Chase bank. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a Chase Bank credit Account. I only have a joint checking account with chase bank ( opened in XX/XX/XXXX ), not a credit card.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Dear Complaint Division Of Consumer Finance, I made a purchase of XXXX on XXXX XXXX. I called Capital One on Wednesday XX/XX/1920 to pay full payment ( XXXX ) for this item. During this conversation I was informed the minimum due of XXXX would apply to this account and the balance ( XXXX ) would be applied to the cash advance statement. He mentioned I had an outstanding unpaid XXXX cash advance balance. I was shocked because I pay my bill on time every month. I was not aware the monthly statement does not clearly show two separate payments are due. My account summary clearly state 0.00 for cash advances. I was informed payment is only made to the cash advance bill if I paid more than the minimum amount due on the bill for purchases. After being informed of this I asked the rep for a detail list of all cash advances ( laid off twice  ) since payment has never been made for years, knowing it resulted in enormous us fees and charges.I was not able to obtain a complete list. I have paid XXXX to XXXX over the minimum amount due yet it was never reflected on my statement. The extra amount paid last month does not reflect on the current statement.During my conversations with Capital One staff not one has ever mentioned the cas advance bill nor did they mention the extra amount was going to be apply to cash advances. It was never brought to my attention by phone, email or by mail of non payment for cash advance bill. This amount has double. Im happy I did not pay the XXXX by mail or online because only XXXX would have been applied and not the entire amount. I appreciated your assistance with resolving this matter. 

Thank you and eagerly await your reply.
Consumer complaint received 2020-08-19
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!
Consumer complaint received 2019-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I received a loan from One Main Financial 's XXXX, MD office back in XX/XX/XXXX. I made one payment, then in XX/XX/XXXX, I was offered an additional amount to be added to my loan, so I accepted. At the time, I was unaware that my initial loan would be " satisfied '', and a new loan would be opened under a new account, but I was not focused on that because I was thinking of the holidays and my daughter 's XXXX Birthday approaching, and what I'd be able to provide for myself and my children. I was told that furthermore, my first payment after the additional amount was added wouldn't be due until XX/XX/XXXX, so I had plenty of time to enjoy the holidays. 

Tragically, I was terminated by my employer on XX/XX/XXXX, so my life took a drastic turn for the worse. There's an insurance program attached to the loan, and I've been getting conflicting information from different employees at the One Main  XXXX office, as well as the One Main   customer service center in Texas. There are 2 different insurance companies that One Main uses, depending on what type of loan you have ( that was described to me by the customer service rep. ) One is XXXX, the other is XXXX. 

According to customer service, my account is being handled by XXXX, but when the XXXX, MD office manager mailed me the forms to complete and submit, they were for the XXXX company. I told customer service, and the rep. said she would send me the correct forms to submit, and that I had to wait until it had been one month since my termination from my employer, which I had not heard from anyone at the XXXX, MD office. The XXXX, MD office manager did suspend my account, after speaking with me about my situation, but that suspension ended on the XX/XX/XXXX, less than a month after my termination, and I started getting calls from a Mrs. XXXX at the XXXX, MD office. While speaking to her this morning on the phone, she told me that I should borrow some money to make a payment, or she fears " the lawyers '' will take over my account and the XXXX office will lose control of it. She also told me to contact the State Department, since I've been unsuccessful in reaching anyone from the unemployment office in order to submit my claim. I'm somewhat confused, disoriented, and unorganized, due to everything that's been happening all of a sudden.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XXXX I sent off a dispute letter to Transunion and I still haven't received a letter with my dispute results back from the company yet. I sent the letter certified this is the tracking number : XXXX, the tracking number states it was delivered XX/XX/2020 2020
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (NM)

I reported illegal collections tactics by NCB Management on XX/XX/2021. The illegal tactics included daily phone calls with no messages and no demand letter. The calls stopped, and now the company has reported a debt I do not owe to the credit bureaus, another violation of the FDCPA. I was notified by XXXX  of the derogatory report on XX/XX/2021.