davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (NY)

Transunion keeps on violating my rights to have accurate reporting on my account XXXX XXXX XXXX XXXX. 

On XX/XX/2022, I sent an 8-page letter to Transunion to address many incorrect reported items on my credit report. Many but not all were corrected. Please find attached a copy of the sent I sent via Certified Mail to Transunion. 

On XX/XX/2022, Transunion responded to my XX/XX/XXXX letter alleging that Transunion takes seriously the accuracy of my credit report. On Page 6 of the response letter, Transunion alleges that conducted an investigation and concluded that the XXXX XXXX XXXX XXXX XXXXXXXX account is " VERIFIED AS ACCURATE AND UPDATED ''. Please find attached a copy of the Transunion letter. 

After reviewing my credit report on XXXX, two days ago, I noticed that all three Bureaus have different information for the same account on the following categories : 1 ) High balances 2 ) Last verified 3 ) Date of last activity 4 ) Date Reported 5 ) Date Opened 6 ) Creditor Type 7 ) Account Status 8 ) Creditor Remarks 9 ) Last Payment 10 ) Term Length 11 ) Account type 12 ) Payment Frequency 13 ) Two-year payment history Please find enclosed a copy of my XXXX report where you can clearly verify my statements that all three Bureaus are reporting different information for the same account.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had this capital one credit card for over 7 months, each time I ask for a credit increase it has denied me. I called and asked if I can speak with the reconsideration department due to all my credit card limits are over XXXX I'm trying to understand why I would have a {$300.00} credit limit. The senior Customer Service rep was so carefree and not interested in my concerns, she advised its nothing that can be done and that managers do not take calls that she was it. She also advised filing the XXXX XXXX XXXX. When I asked about filing a complaint on her customer service provided, she advised I need to hang up and call back. I am very disappointed in the level of service I received with XXXX employee # XXXX. Leadership showed no customer service at a time where they can make a different.
Consumer complaint received 2020-11-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tango Delta Financial, Inc. (TX)

The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with XXXX XXXX college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (FL)

These are private loans that ECMC credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (CA)

They ( United Wholesale Mortgage ) responded once then would never respond, then sold the mortgage to XXXX XXXX. 

They committed fraud by deception, am attempting to find legal aid to pursue them.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that Fifth-Third Bank was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX and XXXX as " Fifth Third Bank '' and reported to XXXX as " 5/3 Bank CC ''. It was discussed with the local branch in XXXX, XXXX, which pushed it to Fifth-Thirds 's Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the Fifth Third Office of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is Fifth-Thirds problem and is a software glitch on Fifth Third 's end. 
I filed a complaint with XXXX on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with Fifth Third Bank Credit Card Customers across the country.
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I currently have a loan with Navient. They bought my loan from   XXXX   XXXX   and never gave me a payment option to repay the loan other than an interest only loan that I have been paying for several years. I have had this loan for 17 years and still owe more than the original loan amount. They just recently let me know ( after I pressured them for more detailed information ) that I could have been paying a little over {$100.00} per month more and I would have been in a program that was paying down interest. I feel that this company did not review all their loan programs with me, to keep me in their interest only loan to increase profit on my loan.
Please review phone call that I had with representatives as they have stated they are recorded.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Boa se

nt a 30-Day late payment to the credit bureau during the pandemic. I paid off my mortgage making the last and final payment. The 30-Day remark should be immediately removed from credit report. This voilates the cares act.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB (CA)

I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.
Consumer complaint received 2021-11-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I received an alert of an Inquiry on my Trans Union credit file., This Inquiry specifically that of XXXX XXXX  on XX/XX/2020 was not authorized by me., I contacted Trans Union Credit Bureau the same day however I was on hold for over three hours and unable to speak to a credit representative., I was even notified. Is letter from XXXX XXXX XXXX, letter dated XX/XX/2020 and received by me on XX/XX/2020 in this letter they specifically state someone used my information fraudulently and unknown to me and thereby declined the application..
Consumer complaint received 2018-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. 
On average we get 1-3 calls a week. 
We owe no debts other than loans through XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have many Hard Inquires to my Credit report that I was Un aware of. I did not authorize them. I have contacted TransUnion and they want we to report to the FTC and send them a copy when complete. 

foursight XXXX inquires XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 View full complaint
Consumer complaint received 2021-08-10
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. (IL)

I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, we went to use Capital Ones reward redemption platform to use our points to pay for flights to XXXX for later this year. We found flights through XXXX that matched our itinerary on the Capital One platform and that would be eligible to be paid for in rewards points, but it noted that the points would have to be transferred to a XXXX account for redemption. XXXX would not show if the flight would qualify for points until we had an account with them with points loaded in, so we created a XXXX account and that day transferred XXXX points that we planned on using for said flights. 

However, when we went to search for the same flight through XXXX website, it now showed that it was a flight that was ineligible for rewards points usage, contradicting the Capital One website. We called Capital One that day ( XX/XX/XXXX ) and asked them why this was the case, and if they were able to reverse the point transfer since their system incorrectly showed that the flight in question would be eligible for point usage. The customer service agent then apologized, said it was something that would have to be escalated because she was not authorized to deal with anything above XXXX points, and created a case number for us and said she would follow up with more information. 

As of this morning ( XX/XX/XXXX ) Capital One had not reached out at all about the case in question, not even with a confirmation email or phone call to let us know this was in progress. Since we had not heard from them in two weeks, we again called Capital One who denied that a case had been made for XXXX minutes and continued to say that the points were not eligible to be re-transferred or refunded due to their website outright lying about the eligibility of the flight. Then, after requesting to speak to a supervisor ( the second escalation in an hour ) we were then transferred us to a senior account manager who found the case that had been created ( # XXXX ) for reference ) and finally told us that their team was still working on the case and would call us before the end of the business day ( XXXX XXXX XXXX XXXX 

I am writing this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and no call or email, or contact of any kind, from Capital One has arrived, so I am writing in hopes that the XXXX can help resolve this issue. We are simply looking to get the XXXX points reinstated to our Capital One account, but the stalling and deceptive practices of their customer service team, along with the initial issue of their airline flight system incorrectly showing the flight in question would be eligible for points, has deeply concerned us that we will lose those points forever, as we are trying to use them for a one-time flight for our wedding in XXXX. Please let us know if you can help.
Consumer complaint received 2021-04-25
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. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.
Consumer complaint received 2021-04-25
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)

On XX/XX/21 I notified XXXX Equifax & XXXX That I checked my credit and became aware I was a victim of Identity Theft! I also sent in ftc report asking all 3 bureaus to block information from my credit file. They all ignored my ftc report. Per Fcra and FTC items placed on my report FRAUDULENTLY MUST BE BLOCKED WITHIN 4 Days. WELL TO DAY IS XX/XX/21 and the items have not been blocked!!
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TX)

My credit is to low due to some unpaid accounts when I have not opened any credit cards at all and I noticed this because I've been trying to apply for credit cards for first time and all have not approved me at all due to those accounts opened with my credit and personal information.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

To whom it may I receive a letter in mail from Credit management .Lp, that I owes {$780.00} for a utility bill which I have no knowledge off I don't lived in the state where the utility Company is located I call the credit Management and let them know I have nothing to do with this bill, I also called the utility company to informed I never and account with them.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

Hello, I contacted Venmo on XX/XX/22 to let them know they had someone's Venmo XXXX XXXXXXXX XXXX XXXX XXXX for me to access and use attached to my Venmo account. I accessed the app to send money to a friend and noticed this and called immediately to notify them of this at XXXX and was told that I reached the credit card company and was told I needed to contact Venmo directly at XXXX. I then contacted that number to notify them. I was told that a case had been filed and escalated to have the issue corrected. I was contacted by Venmo via email asking for additional information and account verification. I sent them a selfie of myself holding my XXXX XXXX XXXX, a picture of the front and back of my drivers license and emailed it back to them. I was told it was received and that they had corrected the issue. It has been over a month with numerous attempts to have this issue corrected and this persons XXXX XXXX XXXX XXXX still attached to my Venmo account in which I could activate and use at any time. This is completely unacceptable. I should not have to go through this to get someone that has nothing to do with me off my account and the poor person that has the credit card. What if I was a criminal and decided to use this card or XXXX XXXX I would be XXXX if my information was out there like that provided by a company that I entrusted to keep my information safe. Please can you help in any way or guide me to someone that can? Thank you.
Consumer complaint received 2021-04-30
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. (FL)

I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Experian is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Experian is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Experian is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2021-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (OH)

I have never done business with DNF ASSOCIATES, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2021-04-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (RI)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE