davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
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. (VA)

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX  credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Consumer complaint received 2021-05-31
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. (VA)

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many XXXX XXXX XXXX violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the HonXXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Consumer complaint received 2021-05-31
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: National Credit Systems,Inc. (VA)

Section 604 requires credit bureau to remove this in the Honorable XXXX XXXX credit report.

Section 604 and VAWA act protect the Honorable XXXX XXXX and his children.

Section 604 instructs credit bureau to remove this in the Hon.XXXX XXXX credit report in this pandemic.

XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Consumer complaint received 2022-01-10
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. (GA)

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2020-09-09
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. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-03
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (GA)

Barclays Bank XXXX XXXX has reported me as late in XXXX. This occurred, after multiple calls on recorded lines. I called them in XXXX to report a hardship. They set me up with an agreed upon payment plan which I met the terms to. Then they reported me as being late. When I called twice, I was told that I was reported late because I didnt make the regular psyment. Even though I paid what we agreed to they told me I should have know I would be reported late. At no time, again on a recorded line did they ever mention they would report me late. They just wanted my payment and had no intention of living up to what we agreed to as the assisted me during a hard time. After my second time on the phone trying to have the late payment removed I was told there was nothing they could do so I closed a 14 year account. Simply said, they operate in a unethical way. On other calls I had after XXXX they told me if I made a large payment I would be caught up. I did just that paying {$400.00} in a XXXX to once again be lied to as I still wasnt caught up. Thats when I canceled. I did everything they asked and each time they never stated I would be reported late until they did so. I would like the calls to be listened to from XXXX on which will prove all I say. Simply they are again very unethical as thats not how you do businsss when a 14 year customer asks for assistance.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

I have a credit card account with Citi and despite the fact the payments are always mailed out in ample enough time, there seems to be an issue with Citi Bank receiving and or processing my payment in a timely matter and resulting in late fees charged to me 2 of the last 4 months. I had thought about filing the complaint with the post office, but Citi is the only company the seems to be having an issue with processing my payments on time. The first time it happened a couple months ago I chaulked it up as just a timing issue and let it go, but this most recent payment was dropped off at the post office on XX/XX/XXXX and Citi did not get processed until XX/XX/25, The payment is mailed from XXXX Kentucky and goes to XXXX, I could walk to Pennsylvania in 15 days, under no circumstances should it take them that long to process a payment. The payment was due on the XXXX and was mailed nearly a week in advance but took them 15 days to process it resulting in a XXXX late fee and them affecting my credit score twice now by changing the terms on said card.
Consumer complaint received 2018-10-03
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: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.
Consumer complaint received 2021-02-13
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. (VA)

I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2021, I chatting with American Express, chat ID XXXX to close my XXXX XXXX XXXX card ending in XXXX. I confirmed with XXXX, the representative, many times that I was canceling this card and I agreed to the disclosure he sent which clearly stated XXXX XXXX XXXX card ending in XXXX. Minutes later, I received a cancellation email and to my surprise, XXXX canceled the wrong card. He canceled my XXXXXXXX XXXX card ending in XXXX which I opened 2 months ago. I chated again, Chat ID XXXX, this time with XXXX, he submitted a request to re-open my XXXX XXXX Card.
Consumer complaint received 2021-10-21
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. (TN)

There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.
Consumer complaint received 2021-10-21
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)

There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Paypal Holdings, Inc (CA)

I was contact by XXXX XXXX stating they are handling a debt owed to PAYPAL and the name on the account is XXXX XXXX. I have a PAYPAL account, but it is linked to my personal bank card as I have never applied for credit through PAYPAL. i contacted PAYPAL and they stated my account is good standing. I informed XXXX XXXX and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them XXXX emails, XXXX included an Affidavit of XXXX, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are XXXX individuals in California with the same name. I believe someone with a similar name opened the account or used XXXX name to open the account. I have express this to XXXX XXXX but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.
Consumer complaint received 2021-05-31
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-07-19
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. (VA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-02-26
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

i applied for an increase to my XXXX XXXX XXXX  and was denied so i paid XXXX dollars on my card so i could use it this weekend for my birthday XX/XX/XXXX only to be told after calling XXXX  number at XXXXXXXX XXXX time that there is a ten day hold and my only option is to apply for a credit line increase. No where is this indicated online. if i had not called i would have not known. i am traveling with no funds!
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. XXXX XXXX informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- XXXX then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
XXXX XXXX transfered the loan and there for should not report it on my credit report as the same debt was being reported by XXXX separate collectors. XXXX and Department of education.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) XXXX XXXX , ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX , ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX, ( 8 ) XXXX XXXX XXXX, ( 9 ) XXXX XXXX ( 10 ) XXXX XXXX XXXX XXXX XXXX, ( 11 ) XXXX XXXX XXXX, ( 12 ) XXXX XXXX XXXX, ( 13 ) XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-07-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Hello, I contacted Penfed ( Pentagon Federal Credit Union ) credit union early XX/XX/2021 for a refinance on an existing VA loan to lower the interest rate and payments on the existing loan. 

I was incline to take a Interest Rate Reduction Refinance Loan ( IRRRL ) with the Credit Union for two reasons ; 1. I was already a member and 2. The Rate Quote and the no closing cost. 

During the process I was told about closing cost .. and I usually corrected them with I believe there are no closing cost, and I was told ; by the refinance agent right " no closing cost ''. 

As the date came closer to the closing date I saw closing documents that had closing cost from {$1100.00} to {$45.00} and again I asked the loan agent, I have not been told about closing cost, nor did I ask to roll over any closing cost into the refinanced amount. I was again reassured that there would be no closing cost. The closing documents were corrected and it came down to closing cost, which came out to be {$45.00}. 
This refinance will create income for the Credit Union just by collecting the interest from the new loan. So I could see the Credit Union not having Closing Cost.

My complaint is that at anytime the agents could have said, there are closing cost but it was not straight forward and that is the complaint. I pushed hard for no closing and I reviewed the closing statement very carefully, and would bring the issue of No Closing Cost at every bend of the refinancing process. The document attached lead me to believe there would be no closing cost and even with all the disclaimers on it I went ahead with the processing of refinancing our VA loan, the credit union agent could have said anywhere in the processes there is going to be closing cost, and they didn't. 

Either I was lucky, or I pushed enough and as a result we only had {$45.00} in closing cost. Perhaps others can benefit from knowing this.
Consumer complaint received 2021-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

I attended XXXX XXXX XXXX in 2006 and was forced to take out a private loan for the program I was enrolled in. The loan was for {$6000.00}. Through the years I have had difficulty and reinrolled in school. The balance has been over $ 13k for the last two years and never seems to go down. They have compounded more than 100 % interest twice what the loan started out as 15 years ago. I have asked if anything can be done only to get the run around. Navient are loan sharks. There is no way my loan will ever be paid. I keep paying and the balance never changes.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) Misrepresented credit consequences of falling behind on a loan Illegally froze members access to their accounts
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2023-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX app made on XX/XX/22. One was for XXXX XXXX and the other as for capital one. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING LLC IS STATING I OPEN AN ACCOUNT WITH THEM XXXX XXXX AND OWE {$9300.00}. MY ORGINAL CREDITOR IS XXXX ACCOUNT OPENED XX/XX/XXXX. LAST PAYMENT MADE WAS XXXX XXXX AMOUNT OWED {$750.00}. IVE WRITEN LETTER AND THEY ARE STATING I JUST OPENED THIS ACCOUNT. THIS SHOULD HAVE BEEN REMOVED FROM MY CREDIT XX/XX/XXXX. IT IS BEING REPORTED EVERY MONTH AS A NEW DEBIT.